No, the company cannot drive! If the company wants you to use your personal car for company business, they should provide insurance for that use.
Categorically no. The insurance relates solely to driving on company business.
You would call the insurance company of the person's car that you are driving. The insurance follows the car and not the insured.
Insurance rates are based primarily on your personal driving habits and record, so if you receive a ticket while driving a rental car it can still be reported to your insurance company because the citing officer has your drivers license information. So in short, it is definitely possible for your insurance company to raise your rate based on a speeding ticket you received while driving a rented vehicle.
Yes. All commercial driving requires both a special type of license as well as a special "rider" on your insurance. However, the legal requirement for the insurance is most likely met by the company that owns the insurance-- that is, the truck is what is covered. So, the law probably does not require you to get additional insurance. As a semi driver, you will eventually want to be insured for personal liability-- so that your family is protected should you cause an accident during your job.
Yes. Plan on it.Answeryes, your driving record can be checked by your insurance company and other companies if you got in a car accident.....
This will vary depending on driving record, the car you drive, your age, the company that you are insured with, the coverage that you choose, where you live and probably a factor or two more. The best thing you can do is to do your homework and call a few companies in your area to find out if you are getting the best premium and coverage for your situation.
in general, yes
NO
The cheapest way to do this is just to have personal use added onto your current business auto policy. It's much more cost effective than buying a separate personal policy when not on company business.
Answer this question...checked your insurance
Your company will pay for the insurance if you are driving and working for a specific company. If you are an independent contractor driving for someone, you will have to maintain your own insurance for your job.
Probably not. You need to make sure your personal auto insurance covers you when you're driving vehicles other than your own, and you need to make sure the vehicle owned by the company is fully insured with you as a driver.