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For those companies that reimburse mileage instead of providing company cars, how do you protect your company from loss of property when a tech's car is broken into, stolen, the tailgate flips down and all parts scatter on the highway, or there is accident? Do you write it off? Do you bill the tech and let him file with his insurance? Do you require the tech to list the company on his auto insurance as an additional insured (which is what we are doing)? Our mileage considers this and covers any additional cost, but as we have talked about in other threads, many techs do not use the mileage check to pay for their auto expenses in full.

Also, how are you prepared to handle when a tech is in an accident on company time and someone decides to sue the company, especially if the tech's insurance isn't enough?

Thanks!
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When I had my own dealership, I beleive all of this was covered by my BOP (Business Owner Policy), thank God we never had to use, however that was over 13 years ago.

Can anyone else help?

In reference to leaving the tailgate open and driving down the road , well.....we never had this happen!
Randy, I'll need to do some double-checking. I'll try to help you out, and I'll get back to you... I know our policy for sales, but I'm not certain how field techs are handled. Both receive standard miliage reimbursement, and are NOT required to prove or maintain certain levels of coverage on their car insurance. Sales Reps are responsible for any stolen company property or damages to that property. Again, let me see what I can find out how techs are administered... especially since they are required to carry more company property than sales. Your question spiked my interest! I'll be in touch soon.
Thanks to everyone that has responded. I know there are different ways to deal with situations and it is always good to hear what others are doing. As far as the tailgate goes, I used that as an example from the real world of something one might not predict, but still has to contend with the consequences like lost property. That might be something for another post...
Thought this paragraph in an RFP in the leads section here was interesting...

B. Automobile If the Proposer or its employees use motor vehicles in conducting activities under this Contract, liability insurance covering bodily injury and property damage shall be provided by the Proposer through a commercial automobile insurance policy. The policy shall cover all owned and non-owned vehicles. Such insurance shall have minimum limits of $500,000 per occurrence, combined single limit for bodily injury liability and property damage liability with a $1,000,000 annual aggregate limit. If the Proposer does not use motor vehicles in conducting activities under this Contract, then written confirmation to that effect on Proposer letterhead shall be submitted by the Proposer.

First of all... How would you "not use motor vehicles" while servicing an entire county government?

Secondly... My company requires higher insurance limits on our vehicles, but the limits listed here seem really high to me.

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