It's Time You Had a Personal Auto Use Policy

Written by on 10/3/2016 3:45 AM in , , , , . It has 1 Comments.


Do you require employees to have a personal vehicle available to complete assigned tasks? You may be creating a “required vehicle exception” according to a recent California appellate case ruling (Moradi v. Marsh USA, Inc.) - which could affect your workman's comp insurance rates…

Vicarious liability

The appellate case held an employer could be liable in the event of an employee causing a motor vehicle-related injury – even in a personal vehicle used solely for travel to-and-from work. According to the court, under the “required vehicle” exception to the “going and coming” rule, employees could be considered as acting within the scope of employment when commuting, thus “the doctrine of respondeat superior applies.”

How can you minimize liability?

• Ensure job applications, descriptions and functions don't list “driving a personal vehicle for work” as essential to the position.

Minimize employees required to maintain personal vehicles for company business.

Inform employees that personal vehicles aren't a requirement to completing job assignments.

Require written permission before the use of personal vehicles for company business.

For those using a personal vehicle on company business, require the submission of the declaration page of the employee’s personal automobile insurance each year to confirm adequate coverage. (Those requiring coverage over state minimums may be required to cover excess premiums.) 

Explicitly note the company is not responsible for any damage, fines, or moving violations incurred during company-related business.

Implement a “Personal Vehicle Use” policy outlining your business’s right to revoke any employee’s right to drive a personal vehicle on company business.

Don’t be an accident waiting to happen. Get the workman's comp insurance advice you need with the help of Minnesota Comp Advisor today.


Got something to say? Join the discussion »
  1. caijuan83's avatar caijuan83 yeezy shoes salomon shoes salomon speedcross 4 louboutin shoes mcm handbags true religion outlet mcm backpack kate spade handbags huarache shoes Hermes Wallets nike air max 95 mens bvlgari handbags air max nike air max 90 barbour supreme clothing supreme clothing pandora charms nike air force 1 nike vapor max off white nike burberry handbags moncler curry shoes salomon shoes pandora bracelet hermes belt michael kors purse skechers nike kyire ray ban eyeglasses valentino heels moncler jacket uggs on sale jordan shoes ralph lauren curry shoes skechers uk nike lebron lacoste shoes burberry handbags cartier bracelet pandora bracelet pandora jewelry lebron 14 goyard backpack adidas nmd longchamp bag air max 95 pandora bracelet air max 97 longchamp bag air max 97 gold moncler,moncler jacket polo ralph lauren outlet jordan shoes coach louboutin shoes puma fenty ralph lauren polo shirts ultra boost salvatore ferragamo kd 11 goyard under armour shoes oakley kd shoes ray ban ugg,ugg slippers christian louboutin james harden kyrie nike air vapormax huaraches chrome hearts necklace pandora pandora balenciaga trainers north face vest fitflop sandals mont blanc outlet fitflop sale chrome hearts jimmy choo heels birkenstock kd 10 nike air max 2018 air max 270 burberry wallet asics running shoes mulberry sale pandora bracelet ugg ralph lauren outlet birkenstock shoes nike air max 95 mens adidas originals superstar adidas ultra boost uncaged celine,celine bag adidas nmd womens ultra boost asics womens running shoes skechers boots nike air max 95 true religion hoodie balenciaga sneakers coach wallet mbt mens shoes kate spade outlet barbour outlet Pandora Jewelry didas ultra boost ed hardy clothing salvatore nike air max 270 moncler jacket womens yeezy air max 90 pandora yeezy nike vapormax michael kors handbags fitflop sandals jordan 11 retro nike air max 90 ecco shoes yeezy boost 350 prada nike air max 97 christian louboutin pandora bracelet nike air max 270 adidas outlet yeezy jordan shoes Salomon xa pro 3d adidas nmd r1 fitflop sale chrome hearts clothing north face coats jordan 11 space jam prada purse moncler jacket mens Adidas Yeezy ray ban glasses jordan 11 uggs for women oakley eyeglasses kate spade outlet ray ban moncler sale yeezy boost 350 new balance golf shoes pandora bracelet mulberry bag air max 97 swarovski bracelet swarovski bracelet
    Reply 7/31/2018 3:25 AM

Leave a Reply

 [Quick Submit with Ctrl+Enter]

Remember my details
Notify me of followup comments via e-mail