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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.

Agent Answer

Neil Richardson

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.

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