If my work vehicle was recently broken into with $2800 worth of my tools stolen, amI covered under employer’s insurance?

UPDATED: Oct 31, 2011

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If my work vehicle was recently broken into with $2800 worth of my tools stolen, amI covered under employer’s insurance?

A police report was made.I was asked to fill out form for employers insurance. I now have reason to believe employer received check but is telling me I am not covered. What can I do to find out if I’m covered?

Asked on October 31, 2011 under Employment Labor Law, Texas


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

You would not necessarily be covered under your employer's policy--it depends on the terms and conditions of that policy. Of course, if the employer did submit a claim for your tools and equipment (whether stating they were yours or claiming they were the employer's) and the tools, etc. were covered and the employer received a check for them, that money should be yours, not your employer's.

If you don't trust your employer, you can try contacting the insurer directly and asking them (or voicing your concerns to them), and they may or may not share the information with you (after all, you are not their insured; they do not have a contractual relationship or obligation to you). Or you could potentially bring a legal action (lawsuit) against the employer and/or insurer for the value of your tools. Unfortunately, the only mandatory or compulsory way you have to get information is to bring a lawsuit.

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.

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