Originally Posted by GreenI.A.
theft is always q concern. Obviously I would much rather the trucks all left in the pen at the shop from that stand point. I actually had my service truck that I drive as a daily broken into a couple months ago when I was at dinner. Fortunately it was january so there were no irrigation parts or tools n the truck, just some lighting maintenance parts that were at the front of the bed, and they broke in through the rear end.
Also a key thing is that they sign an insurance release my carrier (Commerce) provided, stating that any accidents during personal use go on their personal insurance carrier and not on my policy. Same as if you borrow a buddys car and cause an accident in it. Of course the company is still subject to lawsuit same as it would be if the accident happened during business use.
How does a personal insurance policy go about paying for a work truck?
Unless thats a state specific law I don't think I could do that with my policy.
Not from the discussions my agent and I have had.