The Nonprofit
An organization focused on providing services to immigrants.
The Situation
A nonprofit’s employee was driving his own vehicle on agency business and was involved in an at-fault, catastrophic collision.
Unbeknownst to the nonprofit, the employee’s personal auto coverage had lapsed.
The Resolution
The nonprofit’s non-owned coverage dropped down to become primary, as did the umbrella policy in excess of the non-owned liability coverage.
A settlement was reached. No legal expenses were incurred.
From the Claims Files stories like the one above are intended to be informational in nature. Coverage will vary depending on language specific to your policy and your specific facts and circumstances.
Please contact your insurance broker and/or agent for your specific coverage implications based on your specific situation and follow any claims reporting procedures from your policy with your broker if there might be a claim.
Nothing in this story should be considered as legal advice or opinion and you should seek independent advice or legal counsel.