Reader’s Question:
If I am driving a Dallas Texas company car, do I still need car insurance?
John
Dallas TX
All automobiles on the road should have insurance by the car owner. Your company is responsible for ensuring that the company car that you will be driving has insurance.
In case of an accident, usually the insurance follows the automobile, so the car’s insurance is used as the primary ; your insurance will be used for secondary insurance if the damages exceed the limits of the automobile’s insurance. Typically if you do not own a car, you are not required to have your own auto insurance.
usually it is suggested that you carry a non-owners insurance policy so you will have coverage when you operate other people’s vehicles. This will provide you additional insurance in the event that the car owner’s policy limits are too low.
You need to contact your company’s insurance carrier in Dallas Texas to determine the specifics of the car insurance policy on the company car and how much coverage is provided for you when you operate the car.