Employer's Liability for Accident Caused By Employee in a Personal Car

[hwangsusie77]

I work in the state of california. If an employee gets into an auto accident operational and non operational during company events using their personal car is the employer liable to pay for either medical/or personal property damage? is there law? next if they are carrying auto insurance do we pay what their personal insurance doesnt cover remainder to be fair, the deductible? This topic sounds bit black and white and there are some gray areas not familiar with. please provide some answers.

[Who'sThatGuy]

We need more information.

Are you paying your personal insurance company that you use for your vehicle the extra money that is required for using your own vehicle for work purposes? If not and you are in a work related accident, your personal insurance coverage will not pay out a dime. This is one of the reasons the insurance company asks if the vehicle will be used for work or pleasure purposes when you first applied for the insurance.

Does your work list you as an employee, independent contractor or owner operator while driving your personal vehicle for work purposes?