What happens if I get into an accident while driving my employer's car?

I've started driving my employer's car as part of my job and I'm nervous about getting into a crash. What happens if I get into an accident with this car?

Answer

If you get into an accident, the company could be held liable for injuries or damages if you’re at fault.

The company will usually have their own insurance to fix the car, but the accident will still show up on your driving record in most states.

This means that it will impact your personal insurance, and you’ll likely see your personal auto insurance premium increase.

Insurance for a commercial car is much like personal car insurance, but you can likely talk to your employer if you wish to know the details of what their policy covers. It is always good to go into something you are nervous about with more information, especially when a business and their insurance company are involved!

If you would like some extra coverage for driving a car you don’t own, consider using Jerry to help find quotes from 50 providers (it’s free!).

MORE: 14 Safe Driving Tips

Savannah Grabek

Answered on Aug 05, 2021

Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.

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