Do I need my own insurance to use a company vehicle for personal use?

My employer lets me use the company car for personal use, so it is my primary car and I keep it at my house. Do I need separate insurance or is their insurance enough to cover me?

Answer
“That may depend on how your employer’s auto policy is written.
If you are listed as a driver on the company’s insurance policy and are specifically assigned to that vehicle, you may not need another policy.
If personal use of a company-owned vehicle is excluded under the policy, then you would need to look into getting a separate car and policy for personal use.
If you were to rent a car, the liability coverage from your work car might not extend protection to the rental. In this case, you would want to buy rental car insurance from the rental agency.”
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Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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