What is an employer’s responsibility regarding an employee’s car if it is damaged during a delivery?

UPDATED: Nov 9, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Get Legal Help Today

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What is an employer’s responsibility regarding an employee’s car if it is damaged during a delivery?

I am an employee and not considered an independent contractor. If while delivering products for my employer and they require me to use my vehicle for the purpose of delivering said goods, are they legally required to provide coverage of my vehicle if it is wrecked in the course of my job duties (regardless of fault)?

Asked on November 9, 2011 under Employment Labor Law, Ohio


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

No, they are not required to provide insurance coverage for your car (though they are certainly allowed to do so), any more than they are required to insure a laptop or smart phone which an employee uses for work and takes on business trips.

You may need, however, to notify your insurer that you using your vehicle for work, as well as for personal use. The nature of your use changes the  risk and the premiums; if you don't tell your auto insurer and you have an accident while using the car to make deliveries, if it comes out that you regularly do this, the insurer could have grounds to disclaim your coverage on the basis you misrepresented your use of the vehicle.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption