Summary
If your taxi was stolen and wrecked while working under the table, the companys insurance might cover the incident, but your employment status could complicate liability. Reporting the theft to the police was a good step. Since the companys insurance might cover the incident, but your working status may complicate things, it might be beneficial to consult with a legal expert. National General should cover the minimum required liability (PL) and property damage (PD) according to California law, but it might not cover rental car costs or damages beyond your personal coverage limits. Contact National General directly to understand your specific policy coverage and ask if they provide any coverage for rental cars or damages that occurred during the theft incident.Full Conversation
Okay I'm working for local taxi service and my car was stolen by a fare. I only have PL and PD coverage for my insurance but would the company's insurance be liable at least for a rental car since mine was recovered but wrecked??
Hey ****, sorry to hear about your situation. To provide you with the best information, can you let me know if the taxi service company has a specific policy in place for incidents like this?
im not sure I do know he has insurance for the company but thats all i know also i was working under the table at the time
Got it, ****. In California, the company's insurance might cover the incident, but working under the table complicates things.
To help you further, have you reported the theft and incident to the police and the company?
yes it was reported
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****, given your situation:
- Company's insurance might cover the incident, but the under-the-table working status could complicate liability.
- Reporting the theft to the police was a good step.
To further assist, can you confirm if the company has initiated any investigation or claim process yet?
no but the car was reported stolen and the persons who stole it have been charged and taken to jail
Case Rating: *
****, since the company's insurance might cover the incident, but your working status may complicate things, it might be beneficial to consult with a legal expert. Have you considered reaching out to a lawyer to discuss your options?
no
Case Rating: *
****, in your situation, it may be beneficial to consult with a lawyer to understand your options better, especially given the complication of working under the table. Would you like to be connected to local lawyers who can assist you with your case?
no
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****, since you have decided not to reach out to a lawyer, I'd suggest you continue to communicate with your company regarding their insurance policy. It might also be helpful to document everything related to the incident for future reference. If you change your mind, seeking legal advice could provide clarity.
Okay so i have national general for my car insurance do they cover me even with California legal insurance so just the minimum PL and PD?
Case Rating: *
****, National General should cover the minimum required liability (PL) and property damage (PD) according to California law. However, it might not cover rental car costs or damages beyond your personal coverage limits. You might want to contact National General directly to understand your specific policy coverage.
Would you like more information on how to proceed with your insurance inquiry?
yes
Case Rating: *
****, contacting National General directly to understand your specific policy coverage is the best step. Ask them if they provide any coverage for rental cars or damages that occurred during the theft incident. They can provide detailed information related to your policy.
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