When you drive a company car or truck, it is important to understand who pays for damages if you are found to be at fault for a car accident.
Company Owned Vehicle Insurance
The state of Florida is a no-fault state which simply means that every driver is required to carry insurance to pay for their own damages in most types of car accidents. If you drive a company owned vehicle, the auto insurance coverage is usually in the company’s name. However, as an employee, you may have to agree to reimburse the company if the insurance has a deductible or has to pay for damages not covered.
Responsibility after a Company Owned Car Accident
Most judges will adhere to the principle of respondeat superior when deciding who pays for damages and assessing fault in a car crash involving a company owned vehicle. The principle of respondeat superior means that in most cases the employer is responsible for the actions of the employee if the employee is performing employment duties. If the employee is using the company owned vehicle for personal reasons, then the employee is usually held liable for the car accident.
Many other factors will play a role in determining fault and who pays for damages and injuries resulting from a car accident with a company owned vehicle. Bryan Caulfield wants to help ensure your rights are protected, and he understands the intricacies of settling claims while trying to remain civil with all parties involved.
Call Bryan Caulfield for a free consultation and questions regarding car accidents in Clearwater and surrounding communities in Florida.