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 Are u legally bound 2 pay for breaking up company car

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Posted on 08-11-12 2:20 PM     Reply [Subscribe]
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I work for a local pizza shop and they give us car for delivering pizzas. I was driving while it was raining and the car skidded and hit the wall and it was running fine but the owner now is saying it has stopped and it is totalled.. And he is saying that i should be responsible for the value of the car..
Ethically i think i should be partly responsible but what about legally?? Does anyone have idea??
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Posted on 08-11-12 2:53 PM     [Snapshot: 58]     Reply [Subscribe]
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I like Jhapeliketo's analogy. The owner should have had comprehensive in the insurance or should have thought twice to give car to someone else.
Posted on 08-11-12 3:28 PM     [Snapshot: 83]     Reply [Subscribe]
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 legally the drive is liable, if you have auto insurance, the insurance will cover for the damage. If you don't have the insurance then ask if the car owner has the full coverage insurance. If he does then it will cover for the damage. 
Remember if you have auto insurance, you and you car both are insured and if you drive your friends car and wreck it, your insurance has to pay for your friend's car.
I don't know whether you have another car and a insurace with it, if you do, your insurance have to pay for the damage.
Posted on 08-11-12 3:41 PM     [Snapshot: 127]     Reply [Subscribe]
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Diggy, r u sure abt dat?? Any source or just ur thoughts
Posted on 08-11-12 4:28 PM     [Snapshot: 172]     Reply [Subscribe]
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Most of the companies should have written policies for these sort of cases. Either your company should have the insurance or they should offer you the option of paying or denying  for the coverage for the time you use their car  so that if you pay for the coverage, you are insured and don't need to pay for damages and if you deny the coverage you should pay for the damages. (It's similar to the rental cars where the rental companies ask you whether to take the accept or deny the coverage)

Ask for the company's written policy. Also ask why they didn't let you know either you need to pay for the coverage for the time you use the car or you need to pay for the damages before they lent you the car since now they are saying you need to pay for the damages.

If it is couple of hundreds of dollars, might not be worth fighting in court. But if it is in thousands, take them to court. 
Last edited: 11-Aug-12 04:28 PM

Posted on 08-11-12 4:44 PM     [Snapshot: 197]     Reply [Subscribe]
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@ark .. U r rite if it was a bigger company they would have clearly stated it in their policy n would have let me sign it b4 i get the car but it is a local company.. And it is just about a grand worth car.. So i m not sure which way should i go
Posted on 08-11-12 5:12 PM     [Snapshot: 230]     Reply [Subscribe]
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syal, generally insurance should cover this up, but you have to be careful from next time. However, do you have a trusted friend in the car while driving ?Can you trust him?
Posted on 08-11-12 5:20 PM     [Snapshot: 252]     Reply [Subscribe]
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I did not get that question rajashree, no the insurance wont cover it as it is only liability
Posted on 08-11-12 6:34 PM     [Snapshot: 308]     Reply [Subscribe]
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 The driver is liable against damage car either cover from his insurance or company's comprehensive policy. For instance, when you rent a car from rental company who will pay for damage or accident. The driver is must pay. No way you can pass to rental company's pay from their umbrella policy unless  you buy additional coverage from counter. That's it.
Posted on 08-11-12 7:19 PM     [Snapshot: 358]     Reply [Subscribe]
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Syal brother, u have to keep third eye open, u know wht i mean
There will be always competition between the workers, if its healthy then mutually benficial, if not then it will be bring catastropy to the weaker one.
U know how pizza hut is, workers base on TIPS, who knows your co-worker might have done something to your car, while he will be simply similing and looks as helpful.
Ur trusted coworker might be backstapping
check with this before going to insurance.
Posted on 08-11-12 10:16 PM     [Snapshot: 460]     Reply [Subscribe]
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 Yes, Syal, I am sure, I've been here in US for 20 years and I know about the laws. I don't know how big is your company or what kind of paper work you have with your company tho.
Posted on 08-12-12 2:19 AM     [Snapshot: 570]     Reply [Subscribe]
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Would your boss have paid for medical expenses had you been in an accident during similar situation? A
Posted on 08-12-12 2:31 AM     [Snapshot: 578]     Reply [Subscribe]
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OSHA requires the employer to insure the car and employee with their personal insurance/fund in case something like this happens. You are NOT liable for the car used for employers benefit during work. He is liable to pay medical expenses and compensate for your pain and sufferings since you were working for him for his benefit when car broke down.
Posted on 08-12-12 7:19 AM     [Snapshot: 608]     Reply [Subscribe]
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 handyman is correct. And you can;t use your insurance to cover company's car / illness/injuries due to work. Your insurance exclused anything related to work. Your company should be liable for anything that they own. You can even file complaints regarind you got injured while working from them and they need to pay for it.
Posted on 08-12-12 12:01 PM     [Snapshot: 718]     Reply [Subscribe]
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 Isn't there a thing called worker's compensation comes in to play during these situations like injury during the work.. These companies are always fully insured. It's the law. They are liable for damages and your injury. "Handyman" and Perrybhadra are absolutely right. I think, Syal, your boss is getting money from his company's insurance and he doesn't have to pay for your injury, even though he is liable and he wants money from you too... he is making profit from it, he is a true businessman. Double whammy for you dude... He must be Chinese, Indian/ Pakistani or Arabic..... I thought you were syal..... think and act like a fox. Don't let your Boss take advantage of your naiveness.. Fight it dude. All the best. Let us know the verdict. Keep us posted!
Posted on 08-12-12 1:22 PM     [Snapshot: 773]     Reply [Subscribe]
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[Disallowed String for - Bad word 'fuk'] no!! Tell that chutiya to file insurance claim, and you my fren find a good attorney if the condition gets worst!!
Posted on 08-12-12 1:40 PM     [Snapshot: 779]     Reply [Subscribe]
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Thanx a lot for the suggestions.. I know what i need to do now...
Posted on 08-12-12 1:42 PM     [Snapshot: 780]     Reply [Subscribe]
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I dont how my company runs without the workers comp.. Though... Isnt that the law every company should have it...
Posted on 08-12-12 2:23 PM     [Snapshot: 810]     Reply [Subscribe]
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Yep syal you don't need to got to pay for it....its the law!
Posted on 08-12-12 3:08 PM     [Snapshot: 826]     Reply [Subscribe]
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 Syal Brother,

I work for an Insurance Company and I can tell you that you have no liability whatsoever while you are dirving for your company. As people have mentioned, your company should have had physical damage (collision and comprehensive) coverage for the vehicles they own. Your company would have been liable even if you are driving your own car for work. Companies usually buy "non-owned auto" insurance if they  make their employees drive their own cars. 

So, you are off the hook. 

Posted on 08-13-12 1:57 AM     [Snapshot: 986]     Reply [Subscribe]
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Nicknath just hit the Bullseye!!


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