by Guest » Tue Dec 18, 2012 10:30 pm
Hello everybody,
I'm in an interesting situation (im in the state of California) regarding insurance. I wanted to use my boss's car for work, social etc which he is fine with except the insurance.
Basically the car is tied into the company and if heaven forbid I am in an accident he doesn't want himself or the company to get sued. To get my own insurance policy on this car is out of my price range.
This is where I thought non named owner liability insurance would work. I was unsure about the terms however.
I've read it doesn't damage to the car im driving. My boss has comprehensive on this car anyway so if I was to get into an accident would his full coverage cover the damage to the car (it's still owned by him but driven by me).
I'm not sure if I'm over complicating an issue but ti would be nice to hear anybodys advice.
thank you kindly,
James
I'm in an interesting situation (im in the state of California) regarding insurance. I wanted to use my boss's car for work, social etc which he is fine with except the insurance.
Basically the car is tied into the company and if heaven forbid I am in an accident he doesn't want himself or the company to get sued. To get my own insurance policy on this car is out of my price range.
This is where I thought non named owner liability insurance would work. I was unsure about the terms however.
I've read it doesn't damage to the car im driving. My boss has comprehensive on this car anyway so if I was to get into an accident would his full coverage cover the damage to the car (it's still owned by him but driven by me).
I'm not sure if I'm over complicating an issue but ti would be nice to hear anybodys advice.
thank you kindly,
James
Posted: Wed Dec 19, 2012 01:48 am Post Subject:
It's a non-owners policy and it would only protect _you_. As your boss owns the vehicle and he let you drive it, he'd be held responsible. In that he's _required_ to have liability insurance and the vehicle is listed on that policy (it would not be listed on yours), his policy would be primary for liability. Yours would still protect you but it would be on an excess basis.
If your boss does not want to be liable for your actions using his car then he should not let you drive it.
Posted: Wed Dec 19, 2012 03:51 am Post Subject:
Thank you for your advice.
He's just concerned about his company that's all. If there was someway I could help in the liability scenario should something happen then I wanted to be able to cover as much as I can, I thought this insurance would aid that.
Obviously getting my own insurance would fix this, however I wouldn't be able to afford the - I think 350 a month- im being quoted.
Any other thoughts would be much appreciated!
Posted: Wed Dec 19, 2012 02:17 pm Post Subject:
He's just concerned about his company that's all.
If your boss is in business in California -- the most business-unfriendly state in the USA -- and he's at all concerned about his liability -- in the state with the most trial lawyers of any state in the USA -- then he should NOT ALLOW YOU anywhere near his business-owned vehicle outside of its business use.Obviously getting my own insurance would fix this
You cannot "get your own insurance" (other than a named-nonowner policy) on his vehicle because you do not have insurable interest in the property. That is the first requirement of insurance. It's not "obvious" to you because you don't understand what liability is all about -- and your boss may not either.
Now, here's a separate thought: Who are you trying to impress?
I wanted to use my boss's car for work, social etc which he is fine with except the insurance.
If you cannot afford to buy . . . and insure . . . the vehicle that your boss owns, you have no business driving it except as an employee, which means during working hours, not on your own time. When you can afford to buy the same kind of vehicle and insure it with your own money, at some point in the future when you grow up and become a responsible adult, maybe you'll understand this concept.In the meantime, after you impress the ladies, what happens when you can't use the boss's car to take them on a date, and have to show up with your bus pass in hand or driving your roommate's beater?
Your boss would be classified as an IDIOT for letting you use the vehicle outside of work. He has virtually no chance of avoiding any liability due to your driving behavior by allowing you the free use of the vehicle outside business hours.
Posted: Wed Dec 19, 2012 05:00 pm Post Subject:
Woh woh woh!
Im just asking if it's possible there's no need to get personal! By social I meant going to the store etc not 'picking up ladies' lol.
It's a bit much to call my boss an idiot for letting me use his car- my driving record is flawless. I'm on a working visa here from a different country which is the issue in getting a lease, i would be able to afford it if it was in my home country you see...
Was there really any harm in asking if it's a possibility? I'm new to this country and the laws are different here. This is why I asked a question on an auto forum.
Back to the drawing board then!
Posted: Wed Dec 19, 2012 11:48 pm Post Subject:
By social I meant going to the store
Right.
It's a bit much to call my boss an idiot for letting me use his car
Not if he's concerned about liability and would also consider letting you drive his car. He cannot avoid the liability. Only an idiot would think otherwise.
Posted: Fri Dec 21, 2012 08:15 pm Post Subject:
Right? Have i touched a nerve or something?
I appreciate you probably didn't understand my status (i.e. I'm a foreign business professional, you get treated like a 17 year old by your government anyway) and rules are actually different in other countries- something alot of Americans fail to understand.
thanks anyway,
Posted: Fri Dec 21, 2012 10:27 pm Post Subject:
Your status means nothing. You are in California where the rules have been laid before you. Ignore them at your boss' peril. You think you are above the rule of law because you are not a citizen. I guess you can thank Obama for that. But he won't be there to prevent your boss from losing everything because you crack up his car and injure or kill someone . . . driving "for social" to the grocery store.
Next thing you'll tell us is that you have diplomatic immunity.
You asked a question and you don't like the answer. Fine, pack your bags and go home. You've seen California, now you may leave. You are negatively influencing my auto insurance premiums . . . and those of about 16 million other insured motorists in the state.
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