What is my responsibility if my insurance doesn’t pay in an accident on private property?
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UPDATED: Mar 31, 2012
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Insurance Question from Bowling Green, KY
Asked on 03/31/2012
What is my responsibility if my insurance doesn’t pay in an accident on private property? I had another driver collide with me in the drive where we both work. My insurance said I have an exclusion clause that says it won't pay anything if the car was used for business purposes.. What are my options and responsibility?i haven't heard anything from his insuance or the state, as yet.
Answer given on April 05, 2012
If you were simply driving to work and had a collision in the driveway or parking lot of your job then this would not be business use and the insurance company should accept your claim. If the accident was the fault of the other driver, then you should file a claim against his insurance and see if they will accept liability. If the other driver denies it was his fault, it may be difficult to get them to pay your claim.If you are using your car for business, you need to notify the insurance company. They will charge a higher rate for this use, but then you are covered for accidents while using the car for business. Business use is a wide range of uses, but there are limits on the personal policy if you use it for deliveries or carry people for hire. Make sure you have told your insurance company what the use of the car really is.
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