Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

If I have an accident in a company vehicle and the company's insurance policy is covering the damage, do I have to tell my personal insurance company?

My son was driving the company's truck making deliveries and sideswiped a parked car on a narrow street. The police did not give him a ticket, and his employer is reporting it to the company insurance policy.

Aug 5, 2018 Geneva, IL

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

Since the damage is being covered by the company's commercial or business policy then he doesn't have to notify his personal car insurance provider. However, the car accident is still likely to show up on his driving record if a police officer wrote an accident report and his information was recorded. This normally won't matter unless he shops for a new policy within 3 years of the accident, in which case the accident will pop up when his driving record is requested for a new policy.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Do I pay a deductible for a liability claim?

Great question, thanks for reaching out to The Zebra. You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability insurance, the damages to your car will not be covered which means there is no deductible.Liability coverage is there to…
Dec 17, 2018 Chicago, IL

What is the difference between personal property and building property?

Greetings!Thank you for reaching out to The Zebra. This is a great question that can go in a few different directions. But first, let's address how these are different. Personal property coverage will provide coverage to any personal belongings in the home. Basically, if you were to take the r…
Mar 6, 2023 Chicago, IL

What do I do if someone hits me and provides false insurance information?

Your best bet would be to contact your insurance company for assistance. If you had collision coverage on your policy at the time of the accident then your company should cover your damage anyway. Either your insurance company eats the cost of the claim, minus your deductible, or they will subrogat…
Feb 9, 2017 Los Angeles, CA

Will I be able to get a new car after an accident?

Unfortunately the license and insurance status of a driver does not play any factor in determining fault after an accident, so your insurance company should be the one covering your damage. If your vehicle was totaled then you should receive a payout for the value of your car minus your deductible.…
May 16, 2017 Oklahoma City, OK