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Employee Parking Ticket In Employer Car?

Is my employer responsible for paying my deductible for auto repairs?

  • I have to use my car a good deal for work to travel to meet with clients. Someone damaged my car in a parking lot and then drove off while I was in a meeting and on work time. My deductible is $1000 and the repair will cost about $500. Looked at my employee handbook and regarding use of car it says " ...the employee's own individual auto liability policy would be primary in the event of an accident. The Company's auto liability policy would serve only as excess over primary coverage." Does this mean they will or wont pay any of that $500 deductible for which I am responsible?

  • Answer:

    Pat's answer was pretty good. But I think an exact translation of the insurance statement is that the Company's liability is only of excess. Which means that if the existing employees insurance is limited to let's say 2,000 dollars and the repairs are 3000 dollars, then the company's liability is for the 1,000 difference. Not the deductible.

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The company's employee handbook says yours is the primary policy. Further, it only deals with liability coverage not physical damage. Unless there is more, there is no express agreement to pay for physical damage to your car while you are using it in the course of employment.

Tom Z

It means they will not pay. They will only pay if you have to pay over what the insurance covers you.

anti_dbz

Won't you are responsible for the deductible. Since it was not a company vehicle that hit you (Unless it was you may have a claim) they are not responsible at all. Sorry to tell you this.

Scotto

No, your employer isn't on the hook for that. LIABILITY, is when you cause damage or injury to someone else. What that wording means, is AFTER your limits are all used up, then the company's limits kick in. It doesn't cover your car, at all. Sorry.

mbrcatz

Liability...if you're driving a client and wreck with that client in the car and they sue you. Your policy pays first and then the company's. You're responsible for damage to your car.

Insurance Pickle.com

It means that no one ever thought about the question before and there is no answer. You have to convince them to pay it.

Pat

The way it looks to me is they won't help you unless damages exceed $1,000. Sorry.

Vinegar Taster

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