Do I need commercial use insurance?

  • by Sugar
  • Oct 07,2018
  • 9 answers

Hello,
I am currently a community carer. My working day consists of traveling between client s homes. I have Business use car insurance for this purpose.
Now, my employer insists on myself & other employees who drive, to transport other employees who do not drive, between client home s. I refused to transport walking carers as I wouldn t be covered by my insurance policy (my insurance company has confirmed this) My employer is arguing that I am covered under their insurance. I don t believe this to be true as my car is my own private vehicle & not company owned.
Could anyone please shed some light on this.
Thanks :)


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Insurance Answers (9)

johnson 2 months ago

Gtased

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Casey Y 2 months ago

They may be covering their exposure with the business usage...but what about your exposure? Your personal insurance would not pay in the event of a claim since you are using the vehicle for commercial use.
In all reality, its probably "do this or lose your job." Personally, I would be looking for another job...

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diya 2 months ago

Regularly business utilize is "comparative" to business protection. In any case, it creates the impression that your protection just covers while driving forward and backward while working, yet (rejects) in the event that you have individuals/patients in your vehicle.
See the contrast between the 2 is that on the off chance that you have a mischance, they will cover you, yet in the event that you have a patient in your vehicle, at that point your protection could be on the snare for wounds, consequently they will (not) cover you.
This BS that your manager expresses that your protection will cover this is simply BS. On the off chance that/when you were to have a mishap with a patient/colleague is in the auto, at that point you don't wan t to discover that your protection denies because of being not canvassed or at the end of the day avoided. The patient can sue YOU, the driver/proprietor of the vehicle that caused their wounds.
https://rmrtechnology.com/

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Dan 2 months ago

Maybe.

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curtisports2 2 months ago

Demand that the company show you in writing that you are covered. Ask them for a copy to give to your insurance provider so they can verify this for you.

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Tavy 2 months ago

You need to see their policy to confirm this.
UK

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Happy Gramps 2 months ago

you have asked this twice now, with 7 answers so far..................do NOT keep posting the same question -
Misusing Answers
don't post the same question over and over again

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ibu guru 2 months ago

Your insurance company says you're not covered. Your insurance agent knows.

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lucy 2 months ago

Normally business use is "similar" to commercial insurance. But it appears that your insurance only covers while driving back and forth while working, but (excludes) if you have people/patients in your vehicle.
See the difference between the 2 is that if you have an accident, they will cover you, but if you have a patient in your vehicle, then your insurance could be on the hook for injuries, thus they will (not) cover you.
This BS that your employer states that your insurance will cover this is just BS. If/when you were to have an accident with a patient/co worker is in the car, then you don't wan t to find out that your insurance denies due to being not covered or in other words excluded. The patient can sue YOU, the driver/owner of the vehicle that caused their injuries.
So, unless you can get a letter from the (company) not your boss stating that (if) your insurance does not cover you, then they will pay for any damages/injuries. Or, better yet, let them provide you with a company vehicle that you use, so it will be the companies insurance and not yours.
You can change your insurance from business to commercial, but the cost maybe much much more. So you can then ask your employer to pay you the additional cost to cover you.
Your employer in "effect" has asked you to be a taxi driver. They need to hire more employees that drive their own vehicles vs using the current and having other employees drive for them. They have what they call (real) taxis, or Uber or Lyft for that reason, so let them pay them to drive them instead.
Don't do this and make sure that other employees do the same, thus they would have to either let everyone go, or find other solutions

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