Eligibility

Am I still considered high risk if I have not had my own insurance for years, but have been covered and driving on my job's company insurance?

Not having a personal auto policy doesn't necessarily always categorize you as high-risk, but potential insurers will see your lack of one as a lapse — which will, in turn, make your rate more expensive. Learn more about how a lapse can affect your premium here. Generally, insurance companies will not accept business or commercial insurance as proof of prior insurance.

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Coverage & Claims

If I get in an accident in a company car, can I use my personal insurance for claim?

Hello, Sorry to hear about your accident. In short, no, you cannot use your personal insurance to cover a wreck in a company car.

Coverage & Claims

Who pays for damage I caused while using a company vehicle on company time

Unfortunately, fault can only be determined by claims adjuster personally assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at-fault then the company's insurance would take cover the damages.
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