Employer Auto Insurance Coverage

Summary

Employers in Georgia can choose their own standards for auto insurance coverage, regardless of a clean MVR. Adding commercial insurance to a personal vehicle is possible, but liability depends on your employment agreement and the nature of your work. If using the vehicle for both business and personal purposes, liability issues can become complex. Consider reviewing your employment agreement or consulting with a legal professional for specific guidance.

Full Conversation

Georgia
Thank you for your question. In Georgia, employers can set their own standards for who they choose to cover under their auto insurance policy. Even if you had points removed from your Motor Vehicle Report (MVR), it’s possible your employer may still decide not to cover you.
Is there any specific aspect of this issue you need more detail on?
Yes my MVR is * points now though
Thank you for the clarification. While your MVR having * points is a positive factor, employers in Georgia still have the discretion to set their own criteria for auto insurance coverage.
Is there a specific concern or question you have about how your clean MVR might impact your employment or insurance coverage?
Can i drive a personal vehicle and add commercial insurance and my company not be liable?
In Georgia, you can add commercial insurance to your personal vehicle. However, whether your company can avoid liability depends on your employment agreement and the nature of your work. Could you specify if you are using the vehicle for company business or personal use?
Both
Thank you for your patience. Here are some key points:
- In Georgia, you can add commercial insurance to your personal vehicle.
- Liability depends on your employment agreement and the nature of your work.
- If you're using the vehicle for both company business and personal use, liability issues can be complex.
Is there a specific aspect of your employment agreement or insurance policy you need more information on?