When It May Be Appropriate for Your Employer to Request Personal Automobile Insurance Information
by George M.
Can my employer demand personal information as it pertains to an insurance policy? Carlos Y., Raleigh
If your driving is relevant to your employment, the answer is yes. If you drive around for work-related appointments or meetings as an agent or representative for your employer, any negligent act of yours could be imputed (linked back to) your employer. That makes the question of whether or not you have an adequate automobile insurance policy relevant and is an issue that your employer can address legitimately. Your employer wants to be reassured that if you were to be involved in an accident that was your fault, you have the appropriate insurance to cover any damage or personal injury claims that arise from it. The employer may have some exposure to claims brought by the injured party, but your insurance policy would be the first line of defense.
If your driving is not relevant to your employment, then there probably isn’t a reason for your employer to demand personal automobile insurance policy information. If you merely drive your own vehicle to and from your place of employment, then your driving is not really relevant to your work; your employer doesn’t care if you walk, run, ride a bicycle or drive an automobile to work so long as you get there to perform your duties.
If you are driving your employer-owned vehicle strictly within the confines of work requirements, your employer’s insurance will be first in line to cover any claims. Remember, the automobile insurance policy follows the vehicle, not the person. This article is approved for informational purposes and is not intended to take the place of competent local legal counsel.