An employee running an errand for the boss can expose the employer to liability for a car crash. In addition to the driver, employers may need to pay compensation for car accident injuries even if the employees drove their own vehicles.
An employer is not liable for accidents caused by an employee commuting to and from work. Their personal insurance covers this accident. But, employers may be financially responsible if the employee made a trip in the scope and course of their employment, even if such a trip happens only occasionally. A worker is acting upon the scope and course of their job if they deviated from their normal commute at their employer’s request. This includes tasks such as making deliveries for their employer, picking up and transporting clients, getting food for an office party and picking up mail from the post office, for example.
Employers undertake a risk if they rely on personal automobile insurance policies. These polices have small limits, which may not begin to pay for surgery and hospitalization for serious injuries. Without adequate business coverage, employers may go bankrupt. Injured parties may not obtain full compensation for their injuries if businesses do not have adequate insurance, which also has medical payments or uninsured and underinsured coverage. According to experts, businesses should have bodily injury coverage of at least $100,000 per person and $300,000 for each accident. Property damage coverage should be obtained in the amount of $50,000 or at least $300,000 on a single-limit policy. Victims of an accident caused by a reckless or negligent driver may need to get more information about their legal options.
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