Hired Auto: Vehicle Used for Company Purposes

The Nonprofit

A foundation serving school groups.

The Situation

An employee of a nonprofit rented a vehicle for three days for business purposes of the foundation.

When returning the vehicle to the rental company, damage was noticed on the vehicle.

The Resolution

The nonprofit had purchased hired auto physical damage coverage, so subject to the HAPD collision deductible, the claim was handled and paid by the nonprofit’s auto policy and the employee did not need to involve her personal auto insurer.

From the Claims Files stories like the one above are intended to be informational in nature. Please contact your insurance broker and/or agent for your specific coverage implications based on your specific situation.