Metzger4Sheriff t1_j4ix6ih wrote
Not sure how insurance will determine whether the damage is covered or not, but if you’re an employee of the company that the vehicle was insured under, then it shouldn’t matter that you were the driver and not your mom—car insurance covers cars, not drivers, and generally any employees driving a car insured under a commercial policy are covered drivers.
Sorry this happened— sounds like it was a really scary situation and now you’ve got this headache. I hope the insurance can give you some good news.
sirrigfc t1_j4ixzzl wrote
Thank you, i’m just not sure if it’s a commercial policy because my mom just switched to a new insurance company. If not idk what steps to take
Metzger4Sheriff t1_j4izh35 wrote
Commercial just means for businesses. If it’s not commercial, then it would be personal, and you should still be covered as long as your mom gave you permission to drive the car. Idk how the insurance will view the circumstances, but bottom line is that it shouldn’t make a difference that you were the one driving.
sirrigfc t1_j4j0gax wrote
would it be unreasonable to lie and say that I was doing a delivery for the business or going grocery shopping for the business? even though it isn’t mentioned on the police report
Metzger4Sheriff t1_j4j27bj wrote
Don’t lie. I’m not an expert, but some personal use (like driving home from work) is usually covered in commercial policies. If it’s not, then you’re unfortunately out of luck, but consequences will amount to having to figure out another way to pay for repairs/replacement car. Consequences of lying to an insurance company are being denied any auto insurance in the future, getting fines, and facing criminal charges. Do not lie— no matter how small it seems.
whatever7131 t1_j4j9tah wrote
Yes, the company I work for has vehicles that some employees are allowed to also take them to and from work. As long as OP is an employee, the insurance should cover him.
Viewing a single comment thread. View all comments