Are Auto Accidents While Driving a Vehicle for Business Covered?

It’s important to know your rights and responsibilities if you have an auto accident while driving for business or work-related activities. Afterall, who actually covers property damage and personal injuries if you’re driving for work? There are three scenarios where you may be driving for work. First, you could be driving your personal car for business. A second possibility is driving the company car for business. The final option is driving a company car for personal use. It’s also important to know if you or the other motorist is at fault.

Accidents and Injury While Driving for Work

If you’re driving your personal car for any reason, your auto policy should provide primary coverage. If the other driver is at fault, either their auto policy or the uninsured and under-insured coverages in your policy should kick in. If you’re at fault and the other driver tries to sue you and your employer, a judge will decide who is liable under Nevada law. You should consult with an accident attorney to determine if you can make a property damage claim against your employer to pay for damages to your vehicle.

Whenever you use a company car for business activities, coverage is provided by the company’s auto policy whether you are at fault or not. However, if you engage in illegal activities, like DUI, the company policy may not cover your actions. The same principle applies to using a company vehicle for personal use. Even if you’re not at fault for an accident while using the company car for non-business purposes, the business auto policy may not provide coverage and you could be personally liable for property damage and injuries to other motorists.

Who Covers Injuries from a Business-Related Vehicle Accident?

Any personal injuries you sustain while driving for work could be covered by the bodily injury clause of the auto insurance policy and workers’ compensation. When using your personal vehicle, you’ll be covered by your policy or the at-fault driver’s policy. You can also be eligible for workers’ compensation if you sustain long-term injuries that prevent you from working.

How an Injury Attorney Can Help

There are many complexities when dealing with a work-related car accident. A Nevada personal injury attorney can help you determine all sources that may provide coverage for your injuries. Be sure to consult with an attorney as soon as possible after your accident and before accepting any settlements from your employer, other drivers, or insurance companies.