WHAT HAPPENS IF AN EMPLOYEE DRIVES THEIR PERSONAL AUTO ON CITY BUSINESS AND HAS AN ACCIDENT?
If an employee uses their personal auto on city related business, then their personal auto insurance would be primary and the TML Pool coverage would be excess under Hired and Non-Owned Automobile liability coverage. The insurance rule is that the auto liability coverage follows the vehicle. Therefore, it is imperative that all employees are checked concerning valid drivers licenses and personal auto insurance at minimum limits equal to the Tort Liability limits.
