I would urge you to immediately contact the person at your company responsible for your fleet of vehicles. They will have individual information about where the insurance claim at that time went and if any funds were paid out at that time. Only once you have that question can you really know how to move forward.
If the vehicle was insured it should in fact cover all accidents, however if you have riders on your insurance that at fault accidents are the responsibility of the driver, you may need to contact an attorney.
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In New York, car insurance travels with the car. This means that the owner's insurance covers the driver as long as the driver has permission to operate the vehicle. You should refer this to your employer.
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You should notify both your employer's insurance company and your own carrier. They will work out who will provide the defense to you and pay the claim. Good luck.
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I agree with Mr Shamtoub & Ms Allen. You should be covered by your employer's insurance but you need to contact the insurance carrier or have your employer do it because you usually have only 30 days to respond. So....... You need to do this immediately!
Other attorneys have answered this, but in CA, insurance follows the car. So, if the car was owned by the company, the company should have insurance to cover it. In addition, whether the company had insurance or not, if you were driving the company car on company business, the company would/could be liable for any negligence you committed while in the "course and scope" of your employment. That is why companies typically have multiple layers of insurance Including general liability, commercial auto, and even umbrella policies.)
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