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?

“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.”
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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