What do you do when you are working and you get in an accident in your vehicle and your insurance company says they won't cover it?

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File it with your employers insurance (who likely will deny it as well), and then perhaps you can talk with your employer about them helping to cover this...This is very sticky...most personal auto policys specifically exclude 'business use' now you have to see the definition of 'business use' in the policy. And I would certainly NEVER use my personal vehicle for business untill I had it rated as such. I had a period of a year or so when I had to use my personal vehicle for business, but had insured as such, but without that, generally is no coverage at all, the policys are very clear on that. If you would provide more details perhaps I could be of greater assistance.

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First answer by Mama lori. Last edit by Mama lori. Contributor trust: 316 [recommend contributor]. Question popularity: 19 [recommend question]

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