Question
Coverage for non-employee in commercial vehicle after accident
I was driving a company van with a customer in it and we got hit by another car. The other cars limits didn't cover our medical...shouldn't the owner of company I work for for have insurance on the van as well? I was put into worker comp but my passenger only got what the other drivers insurance paid.. my company which is a huge car dealer said they didn't have coverage on the van I was driving..
Answer
There's a couple of things to think about here. First, if the other driver was found at-fault for the accident, their insurance (if they have it) would cover the property damage of the van and the bodily injury payments suffered by both of you (this is called their liability coverage). In Nevada, the minimum liability would cover you for the following:
- $25,000 of bodily injury per person
- $50,000 of bodily injury for the entire accident
- $20,000 of property damage coverage