I caught dead brake lamp, the producers. I have also fallen into my work uniform, because of the nature of the business, it is obvious I need business insurance. I’m not in my insurance companies use their own policies – but I have to participate in society with my insurance third party insurance. My employer, an excuse to justify my insurance card, and now I can only tomorrow can to the police. I have taken all reasonable steps to obtain the certificate – but I can do, if I have to rely on others, are now the embarrassment? At the end of the day, I made sure the commercial use, but unless my employer “pull my finger”, I have not tried the methods, and could face trial or prosecution. Any advice would be appreciated. : (There are a couple of things: I have insurance for personal use! I give them my insurance card, Tesco, but I can guarantee that I do not use without any problems on commercial insurance.
Mar 082010
What is a producer? It’s kinda foggy about what you actually do or who you really work for. I mean what kind of business. I’m sure you and/or your employer will at least be fined. In Delaware you can be put on probation for something like that. You and your employer need to get this insurance stuff straightened out or you should go get another job.
The police only care that a vehicle is insured to be on the street. Any discrepancies between personal and business use is defined in civil court, not criminal.
If your company has specifically indemnified you for liability through their separate insurance rider, you need a copy of that rider to protect your butt in the case of a civil lawsuit. But when the company gets sued for an accident, they can easily say that they never agreed to anything and then you’re responsible for paying a civil judgement.
Now, for the extraneous and frivolous portions of your statement, that you’re simply in a work uniform is not indication that you’re on company business. You could be going home from work on your personal time and it’s not up to you to prove it.
It doesn’t matter what the business nature is, a vehicle would still need liability coverage, so that’s a worthless observation.
You could have a business liability rider on your own insurance that would not be displayed on your insurance card.
So, what this is telling me is that you had NO proof of insurance in your vehicle at all, which was stupid. If the company is paying your entire liability, personal & business, your best bet is to ask the court for a postponement to get proof from the company that you were, in fact, covered effective at the time of the ticket.
And if your company doesn’t expedite it, you’re left hanging to take the whole rap.