Motor vehicle accidents can have devastating consequences. Accidents can result in catastrophic injury, and even death. They can not only affect your physical well-being, but also your ability to work and provide for yourself and your family. Does the vehicle you are driving provide you with the needed coverage to protect you in the event you are involved in a motor vehicle accident?  Are you insured?

Here is a scenario we frequently encounter:

The Facts
You are a driver for a package delivery business and you perform your deliveries in a vehicle owned by the employer. One day you are rear-ended by a car while making a delivery. The person who caused the accident does not have automobile insurance and your employer tells you they do not provide uninsured motorist coverage under the auto policy covering the vehicle they owned and told you to drive.

Additionally, you have a personal auto policy that provides uninsured motorist coverage. Your insurance company tells you there is an exclusion under your personal automobile policy and denies coverage.

The Result
The person who caused the accident failed to insure their vehicle so there is no coverage available from the person who caused the accident.

Under the law, your employer has the ability to waive uninsured motorist coverage for vehicles they own. No coverage available.

Your personal automobile policy provides uninsured motorist coverage but contains certain exclusions. One of those exclusions is known as the “regular use” exclusion. The “regular use” exclusion applies if you regularly use another vehicle. The employer’s driver regularly uses the vehicle owned by the employer and was making work delivery(ies) at the time of the accident. The “regular use” exclusion applies in this situation.

The Bottom Line
You have no coverage available through the uninsured driver who caused the accident, you have no coverage available through the employer’s automobile policy and you have no coverage under your own personal policy.

Beware
Insurance policies frequently do not provide any protection and often contain exclusions to coverage you may think you purchased.