Question
Does my personal auto policy cover a company construction vehicle?
I was driving my company’s backhoe and got into an accident. Would my personal auto policy liability coverage apply?
Answer
Since you were driving your company’s vehicle, your personal auto policy would not apply. A company vehicle like a backhoe or other construction vehicle should be covered under the company’s commercial auto policy. The company should have liability insurance that covers employees if anything happens, so you would not be responsible for involving your personal car insurance policy.