As an employee, am I covered under my employer’s uninsured/underinsured motorist insurance policy?
It depends on the language of your employer’s uninsured/underinsured insurance policy. Depending on what the policy says, it will determine who is covered under that policy. The uninsured/underinsured motorist statute in your jurisdiction may also determine who is covered under your employer’s policy. In some jurisdictions, an employee will be covered by his or her employer’s corporate policy if the employee is using his or her own vehicle for business purposes, at the direction of his or her employer. The employee’s personal vehicle may be considered leased, or hired, by the employer. In other jurisdictions, an employee using his or her personal automobile for work purposes will not be covered under the state law’s definition of a “named insured” (person or persons covered under the insurance policy) under the corporate policy.
If you have question or want more information please call 202-335-0185 or email us to learn more.