Making employees have automobile insurance and how much!

maryfmurray

In our state we do not require drivers to carry automobile car insurance but watch out, if you get into an accident you are then required to place liability insurance on your vehicle or your drivers license is taken away for a certain amount of time. My organization is a non-profit, we do not have many company vehicles, therefore, I've asked our employees to complete a survey consisting of questions from the agency's liability insurance carrier, about the level of auto liability coverage they currently carry on the vehicle(s) they use for conducting agency-related business.

My question is we currently do not have a policy in place requiring employees to carry automobile insurance on their vehicles, can we ask what their level of coverage is and how much the individual pays for their Bodily Injury Liability Coverage? Secondly, how can the insurance carrier insist that employees carry coverage when New Hampshire does not require drivers to have insurance?

I know this is long and I do apologize. Any suggestions for a policy or legal advice would be helpful.

Gillian

While it may be stupid not to have insurance, I don't think that an employer can force employees to have it. They can, however, not let employees drive your vehicles if they don't, and if that means they don't have a job, they don't have one.

SandiF

We require our marketing people (the only employees who are driving their cars on company business) to carry $300,000 worth of liability insurance. I'm in Washington state and we are required to carry insurance.

Crout

[font size="1" color="#FF0000"]LAST EDITED ON 03-06-03 AT 10:55AM (CST)[/font][p]To begin with, your carrier can ask for whatever they want, and then it's your decision to do business with them or not. Does the carrier require specific levels of insurance? If they do, you can certainly write a policy mandating the same for EE's who use their car for Agency business. However, I would also question the carrier on why they want to know how much the EE's pay for their insurance. That doesn't seem relevant.