Legal Question in Insurance Law in California
Use of private car for company bussiness
I work for a non-profit agency that contracts with the state of California to provide services to clients who have both a severe mental illness, and have been adjudicated in the criminal courts.
My employer has told me that as part of my duties, I am to transport clients, to and from state hospitals and other places, in my own car. They have told me that I am NOT to tell my insurance company that I am using my car for this purpose however, as they do not have insurance that would would cover me in the event of an accident or incident that might occur while I am doing this.
Is this legal and/or am I placing myself at risk if I agree to do this?
Thank you
2 Answers from Attorneys
Re: Use of private car for company bussiness
Yes, you are placing yourself at risk. Your employer apparently has no "non-owned auto" coverage, which it should have if you are using your car for its business. I suppose you could ask the state agency for an endorsement to its policy, but that probably would upset your employer. Call your employer's insurance agent, or have your agent call them, and try to get matters coordinated.
Re: Use of private car for company bussiness
Your employer is trying to get you to commit a crime (insurance fraud). How badly do you want this job?
Refuse to comply, if he/she fires you, file a complaint with Fair Employment and Housing Authority (FEHA). Try to get some type of evidence about what your employer is asking for.
Good luck.
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