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If i get in a acciedent in a company car can i get sued individualy, if the company has insurance?


i was at fault and going on business to fl. and he hit me and now is sueing the company and me for 500,000 dollars, but i was on company time

You can and probably will get sued individually. It depends a lot on whether you were actually driving the car for "business purposes" or if you were just using it. Good luck!!

No but you might get fired.

depends on who was at fault. Yes you can, because the owner's insurance will want recovery from the party at fault; probably your auto insurance.

Big difference between getting sued and actually losing in a lawsuit. In this day and age of lawsuit happy people and attorneys, most people are told "SUE EVERYONE!"
Depending on the accident and what caused it and how much damage and injury there was, they will file a suit against the company, the driver, the car company, the person whose landscaping was slightly in the way, etc.
Whether you will prevail in a lawsuit or whether the judge would throw out a lawsuit against you personally really depends on the judge and the circumstances of the accident.

Yes you can be sued along with the company.More than likely you won't but sometimes the plaintiff will include you in the suit to have a first hand witness at the scene to testify for the plaintiff.

The other party can sue whoever they want to. If you were driving your vehicle while in the course and scope of your employment your employer's auto insurance will defend and indemnify you up to their policy limits assuming they have appropriate coverage. Not having a copy of the policy makes answering this question very difficult.

The question really should be "who's policy is primary".

You should report this loss to your own insurance company if you were driving your own vehicle. The adjuster will review your policy and determine if your policy should be primary. In most cases, your insurer may deny coverage since you were using your vehicle for company use.

Commercial Auto policies are very broad and usually cover "all autos" including employee vehicles.

If you were driving your employer's vehicle, yes they can still name you, but your employer's auto insurer will defend and indemnify you up to their policy limits which are usually adequate.

I have over simplified my answer, since coverage can get complicated.

Yes, but your company will probably indemnify you if you were using the car for company business at the time of the accident.

Insurance goes with the vehicle, not the driver. Whoever has insurance on the car, covers the accident. As long, as you were driving the vehicle for company business.

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