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Can an employer require you to take out an additional car insurance policy to cover a work related expense without reimbursement

Hartford, CT |

I work for a non-profit and as part of our job requirement, we are expected to use our personal vehicle to transport clients. The non-profit expects employees to take out an additional insurance policy, usually a special rider or commercial policy at personal expense. They hold no policy to cover employees who get in an accident using their personal vehicle. Employees who most often are expected to take on this responsibility are paid very low wages and cannot afford additional coverage. They simply hope nothing happens though this puts them at great personal risk. We have been told this is the risk we have to take working in this field.

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Filed under: Employment
Attorney answers 4


An employer can make its employees carry sufficient insurance provided the cost is not so high that the employee is actually making less than minimum wage. You should be receiving payment for mileage, which is meant to offset the cost of gas, upkeep and insurance.

Ryan Finn * 518.213.0115 * * Referrals are the highest form of compliment * Hacker Murphy serves clients throughout New York State and always pays referring attorneys a reasonable referral fee in contingency cases


Yes so long as you're compensated and reimbursed for mileage accordingly.

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Insurance coverage can be a requirement for employment. Consult an attorney in CT to know for sure.

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