But what if you're an officer of a corporation and you drive a company car? Most likely, the company

If you are the named insured on a personal auto policy , you own one of the broadest liability policies you can buy. It not only has coverages for you and your family in your cars, but also if you’re driving another person’s car, a rental car, or even if you’re a struck by a car as a pedestrian.
But what if you’re an officer hotels in downtown denver of a corporation and you drive a company car? Most likely, the company car is insured in the corporate name on a Commercial Auto Policy . That’s a wonderful perk as an officer of the company, but the problem is the Commercial Auto Policy is not as broad as a Personal hotels in downtown denver Auto policy.
Say you fly down to Myrtle Beach in early spring to get a head start on the upcoming golf season. You’ve got your tee times all set with a number of courses and you and the rest of your group are excited to play a different hotels in downtown denver course every day. You’ve rented a vehicle in your name to travel to each course.
Or say one of your foursome drives down to Myrtle hotels in downtown denver Beach and you borrow his car to check out one of the huge golf equipment stores down there. You have an accident and are sued. Your friend’s car insurance will cover him, but not you. Again, hotels in downtown denver you’d be okay if you had a Personal Auto Policy, but there’s nothing for you on your Commercial hotels in downtown denver policy.
Call us and we’ll add an endorsement to your corporate auto policy called Drive Other Car Coverage. This endorsement is inexpensive and easy to add. We like to call it, “a mini-personal auto policy.”
hotels in downtown denver It will pick up coverage in the situations above. This includes liability, medical payments, uninsured/underinsured motorist, and may include physical damage coverage (comprehensive and collision) for the personal use of a non-owned automobile (rental or friend’s car as in above) in the name of the individual listed on the endorsement.
Upshot: the problem of personal liability hotels in downtown denver and physical damage coverage only applies when you do not have a Personal Auto Policy. Most of our clients do have a family auto and don’t drive just the corporate auto. But, maybe you’re single with only a corporate car and no other insurance. Or you’re an employer concerned about your employees.
If you’re unsure as to your situation, Gary and Steve and the rest of the Commercial Lines Department at Scalzo, Zogby Wittig are here to help you. Just call us anytime and we’ll discuss your auto insurance and exposures.