Will a Contractor’s Insurance Cover Damages in a Car Accident During Work Hours?

Question from Pickle, Will a Contractor’s Insurance Cover Damages in a Car Accident During Work Hours?

Answer from AI:

In general, whether a contractor’s insurance will cover damages in a car accident during work hours depends on the specifics of the insurance policy and the circumstances of the accident.

Liability Car Insurance

Liability car insurance typically covers damages to another person’s property or injuries to other people in an accident where the insured is at fault. However, it does not cover the insured’s own vehicle or personal injuries.

Contractor’s Insurance

Contractor’s insurance, also known as commercial general liability insurance, generally covers bodily injury, property damage, and personal and advertising injury that could occur during the course of work. However, it usually does not cover incidents related to the use of a vehicle, which are typically covered under a separate commercial auto insurance policy.

Commercial Auto Insurance

If the contractor was using a vehicle for work purposes at the time of the accident, a commercial auto insurance policy may be relevant. This type of insurance typically covers damages and injuries resulting from accidents that occur while driving for work purposes. However, if the contractor only has personal auto insurance, there may be limitations or exclusions for business use.

Workers’ Compensation Insurance

If the contractor is an employee and was injured in the accident, workers’ compensation insurance may cover medical expenses and lost wages. However, this would not cover damages to the pedestrian.

It’s important to note that insurance policies can vary widely, and the specifics of the accident and the contractor’s work situation can also affect coverage. Therefore, it’s crucial to review the terms of the insurance policies in question and consult with a legal professional for personalized advice.

Steps to Take

• Review the terms of the liability car insurance, contractor’s insurance, and any other relevant insurance policies.
• Consult with an insurance professional or legal advisor to understand the potential coverage and limitations of the policies.
• If the contractor is an employee, consider discussing the situation with the employer, as they may have relevant insurance coverage or be able to provide guidance.

For more information on insurance coverage, you may want to visit the Insurance Information Institute or the U.S. Small Business Administration.