Keep reading as we cover: When employees use a personal vehicle for work, theres more to consider than mileage reimbursements. If an employee is obliged to use their own vehicle for work-related activities, the employer is required to compensate them for vehicle expenditures under California Labor Code 2802. Most guarantors will include "representatives as extra protected" for a little additional premium. This endorsement extends coverage to include the personal use of a non-owned auto, but only to individuals listed on the endorsement. Know More. Vicarious liability means you could be held liable for unlawful actions taken by someone else. 5. Note that the employer isn't being blamed for its own negligence. Expert business advice, news, and trends, delivered weekly. But this could become a liability, so its essential to take steps to protect your employee and your business. All rights reservedWeb Design & Hosting by Webtrix, 6454 Coldwater Canyon Ave, North Hollywood, CA 916061-818-760-2000 | 1-818-760-3908 (fax) | Disclaimer | Site Map, Bruce Rudman has been practicing construction law for 15 years. The accident occurred between shifts 120 miles away from his assigned worksite. Fortunately, you can take steps to keep your employees safe and minimize your companys liability. It is unlikely, however, that a court would pursue that, due to certain precedents. Here are are a few suggestions for drafting vehicle policies that meet your needs: Be restrictive, but practical, about use of your vehicles. The business, Marsh USA, Inc. (a protection dealer), required its worker (a protection sales representative), to utilize her own vehicle all throughout the workday to visit customers, give instructive courses, follow sales leads, and transport organization materials and co-representatives to business-related goals. Beginning July 1, 2016, a customer who owns a recreational . If you've been hit by a driver of a company car and want to be fully compensated for the damages, you may have to sue both the employer and employee. Once a plan is established, we are committed to plan execution. 2023 VGM Insurance. This means an employer can impose requirements such as making you use your own vehicle at work. In the insurance industry, non-owned autos carry a specific definition and have a specific relevance for how coverage applies. During that time, they will probably complete some personal trips or errands, too. Our team functions as an extension of our clients operations; we are just as invested in their success as our own their goals are our goals, says Tony. As an owner or manager of your organization, understanding the exposures your business has allows you to have an educated discussion with yourinsurance agentor broker who can provide you with the most competitive rates in your area. In the insurance industry, "non-owned autos" carry a specific . Since laws change frequently, contact an attorney before using this information. If you allow an employee to use a company vehicle for personal use, here are some suggested steps you should take: The driver must not operate the company vehicle if they have: Taken any prescription, over the counter, or illegal drug or substance that may impair driving ability. You can also add significant others and children to the Drive Other Car endorsements or add them as an individual Named Insured. "I would also check the employment agreement with the pizza company. contact our attorneys at the Blumenshine Law . Using the average MPG of 22 for most vehicles in the United States, that means that you'll probably spend between $2,000 - $3,000+ per year on . Just having your employees agree to a driving policy isnt enough you should also enforce it to the best of your ability. What happens if you get in a car accident while using your personal vehicle for a work-related errand? Under precedent-based law, bosses are in charge of the activities of their representatives. For many small businesses, employees using personal vehicles for work-related tasks is unavoidableespecially if they rely on salespeople or other professionals that need to be physically in the field. An employers liability insurance usually covers the costs of damages sustained by third parties, including medical bills, lost wages, and pain and suffering. Use a Company Policy to Reduce Risk: According to estimates by the National Safety Council, over one million car crashes annually are attributable to cellphone use while driving. Using the Personal Vehicle for Work Law. If this is a practice in your business even if it is just one instance of allowing employees to use company cars for personal use we suggest you find out if you have personal use of company vehicle insurance. However, there is some chance that an employer who owns the car may be liable even if the car is being used for personal errands, under Florida law. Sometimes an employer can be held legally responsible for an employee's negligence, including negligently driving a company or personal auto. If you've been in a car accident in your company car, you may need legal assistance. Was this document helpful? When an employer requires that, Labor Code section 2802 requires the employer to reimburse the employee for all expenses incurred by the employee to carry out their job duties, including the cost of fuel, parking, in addition to a reasonable value for wear and tear and maintenance. Download a PDF Copy of Employer Liability for Employee's Personal Use of Vehicle, Copyright 2023 Abdulaziz, Grossbart & Rudman. Monday - Friday (3:00 pm - 11:30 pm), weekends and holidays as needed due to business. In the event that your representatives consistently drive their own vehicles for company business, give careful consideration to the case of Moradi v. Marsh USA, Inc. Keep in mind, the protection on a specific vehicle is constantly essential. Florida law sets specific amounts for PIP. We suggest purchasing additional limits in addition to your $1,000,000 primary commercial auto liability. Calculate payroll deductions (CPP deductions, EI premiums and income tax). The method can only be used for vehicles that are not subject to the luxury auto cap (see discussion, below). Using the personal vehicle for work law involves using your car for business purposes may be to get supplies, hardware, or prospecting sales. You can lower your premiums by setting a higher deductible, but the maximum is $1,000. A traveler shall be entitled to a mileage allowance at a rate of 44.5 cents per mile; or. You can see that there are five exclusions to the permissive use of a covered auto. Have you addressed the privacy issues associated with having a GPS on the vehicle and your employee using it for personal use? To limit risk presentation, it is fitting for California bosses to execute an "Individual Vehicle Use" approach characterizing, what your organization will permit, and saving the organization's capacity to disavow any representative's entitlement to drive an individual vehicle on organization business. Non-owned auto liability insurance covers injury and property damage caused by vehicles owned by others, typically your employees. If you were to claim the Section 179 deduction, you could take a $15,000 deduction ($20,000 0.75) on your 2021 tax return, which you'd file in early 2022. In the event that a mischance happens while a worker is working their auto on an errand for the business, the representative's close to home protection is the essential scope, and ought to be taken a gander at to give assurance. General business utilization of a vehicle (getting supplies, going by clients, going to meetings) is not a scope issue under generally strategies. High School Diploma or equivalent preferred. Minnesota state law dictates how public bodies in the state can compensate . The Employee Polygraph Protection Act (EPPA) applies to most private employers and generally prevents the use of polygraph tests for pre-employment screening or during employment. This includes negligent actions on the job or while driving for business. We provide a comprehensive insurance portfolio that protects you and your family today and beyond. The motorcyclist was badly harmed and sued the representative and the organization, asserting that the organization was obligated under the law. When the program was over, she returned to the office. In these situations, employees were said to be outside of the course and scope of employment during their daily commute. Employee Use of Personal or Company Vehicles: How Can You Mitigate Your Risk? You should develop and implement a policy statement that outlines specifically under what conditions personal use of company vehicles is allowed and who is authorized to operate the vehicles. Most insurance agencies will not increment premiums for intermittent business utilize. The court agreed that Halliburton was not liabile on the facts before it. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Generally speaking it is what's referred to as a "force multiplier" meaning that just the sight of a police car out and about as a deterrent for crime. Just your best options for low-cost business insurance in 5 minutes. Here are some important questions to ask yourself: Personal auto insurance better covers the risks that individuals face while using a vehicle for personal use, as opposed to a business auto insurance policy, which is better designedto deal with business-related accidents. It can also cover an employee's legal fees if third-party claimants sue them. However, it is important to use your, Illinois Supreme Court: BIPA Claims Accrue With Each Scan, The Illinois Supreme Court on February 17, 2023, found that claims under the Illinois Biometric Information Privacy Act (BIPA) accrue at each alleged violation, not, Health Savings Account (HSA) Contribution Limits for Spouses, ANNUAL LIMITS 2023: $3,850 for single coverage and $7,750 for family coverage The $1,000 limit on catch-up contributions is not adjusted for inflation SPECIAL RULE. Very limi. Personal use of a company vehicle should be restricted to the employee assigned to the vehicle, and non-employees, such as spouses or children, should not be permitted to operate the vehicle. (Dont forget to include it in your employee handbook! Each year, the IRS sets a mileage reimbursement rate. This article, slightly modified to note recent updates, was featured online in the Wisconsin Employment Law Letter and published by BLR . New comments cannot be posted and votes cannot be cast. When an employee drives their own car, its referred to in insurance lingo as a non-owned vehicle. This simply means the company doesnt own it. In that case, Halliburton Energy Services, Inc. v. Department of Transportation, which was a combination of three separate lawsuits (six persons claimed injuries), Halliburton had an employee named Troy Martinez who was required to use a pick-up truck to drive to and from work and for business purposes. Join our newsletter, and we promise to over-deliver on value, but NOT on emails! For 2022 Returns, the mileage deduction calculation for business miles would be: (total business miles driven from January to June * 58.5) + (total miles from July to December * 62.5) Tax Year. Originally, car allowances served as a catch-all to cover car expenses and a way to increase compensation without actually negotiating the salary. It's a confusing topic filled with many opportunities for misunderstanding. Now that we have determined whether the employee is a Named Insured, we have to look into the variables that could affect the exposure to risk your employee and your company face while allowing personal use of company cars. $1.81. Conveyance administrations including bundle conveyance administrations, pizza conveyance, and bloom conveyance are viewed as attire scope is prohibited. Schedule a quick call to learn more. Some people also save money by excluding lost income or limiting PIP coverage to themselves. App. This agreement is between. U.S. Chamber of Commerce But with cars increasingly becoming a de facto "office," the standard car allowance has not kept up with expense needs. The undisputed evidence was that Martinez was not performing his duties for Halliburton at his place of business, or at his assigned workplace. However, employers are not always vicarious liability for . $750,000 for car accident Florida. Although Drive Other Car coverage, or DOC, is not as broad as a personal auto policy, it does provide some of the same protections as a personal auto policy, such as the ability to drive cars that they do not own and still be covered for auto liability. ECFA made commuting in a company car or other employer-provided vehicle non-compensable only if the use of the employer's vehicle was (1) "for travel that is within the normal commuting area for the employer's business or establishment;" and (2) "subject to an agreement on the part of the employer and the employee or representative of . Also, some automobile insurance policies limit coverage only to authorized use of the vehicle. When addressing the topic of personal use of a business vehicle, it is hard to ignore rental cars. Sales representatives utilizing their autos essentially for business may find that their premiums are expanded. If you have employees that frequently travel for work, they will most likely rent a car and a hotel while out of town. The full revelation of business utilize will counteract scope issues once a claim happens. First, ask your employer and personal insurance company about their coverages and exclusions. Co. of Wisconsin, 2010 WI App 120, at 9, 329 Wis.2d 269, 789 N.W.2d 753, the court of appeals rejected an argument that the "business or personal affairs" policy language of a policy provided coverage for any employee regardless of the purpose of the vehicle's use. , a company will have to pay out the benefit if an employee is injured in an accident performing work duties on company timeeven in their own vehicle, no matter who was at fault. This is a popup dialog that overlays the main content of the page. Co. v. State Auto Ins. The more vehicles you have, the larger your business, and the more employees driving for personal use will determine what limits you should purchase. Protect your business from complex challenges with comprehensive, cost-effective and innovative solutions. The number of miles they expect to drive the vehicle. After the driving policy has been instated, it should be actively communicated and enforced. But while it may seem like just a perk for the officers, there are cost-saving and . Talk to work about it. In an accident, the employee is usually responsible for their deductible and other damages to their car. Make a note of the odometer readings on the primary day and the most recent day of every year that you utilize your vehicle for business related driving. In the event that this happens regularly enough, your manager may choose to reimburse your vehicle costs or to provide a company car or truck for their utilization. Create an account to follow your favorite communities and start taking part in conversations. To provide employers with a standard rate for compensating employees when they drive personal vehicles for work-related purposes; To set the rate at which self-employed individuals can deduct mileage on their tax return; In 2023, the IRS standard mileage rates are: 65.5 cents per mile for business miles driven Any mischance caused by a representative while driving his or her own auto will be paid first by the guarantor of that vehicle. Make sure the coverage has not expired. ), Do you have or are you planning to have employees use personal vehicles for work purposes? Well also suggest some changes you can make to your commercial auto insurance policy to better accommodate the risk and ensure you are protected. Whether employees are picking up office supplies on the way to work or driving to an off-site meeting, following formal guidelines for the use of personal vehicles can help minimize the risk of on-the-road accidents and protect your company. Most personal vehicles are insured using a "personal auto policy." Most businesses that own vehicles utilize a "business auto policy." The following discussion is based When doing your calculations, multiply the miles you drove (business, charity, etc.) CA License # 0I27726. Most business auto strategies incorporate no scope for harm to a worker's auto. This theory is well established and does not raise many eyebrows. Federal government employees are reimbursed at the Privately Owned Vehicle (POV) mileage reimbursement rate set each year by the General Services Administration (GSA) based on research conducted by an independent consulting firm regarding current costs for utilizing a vehicle. Although the employer is usually not required to reimburse for these items, they could choose to assist the employee for car damages and insurance deductibles. The main concern, either address your manager, HRand so on or clarify your side of things or else pay on the off chance that you need to remain. A pedestrian was hit by a car and knocked down, resulting in a shattered pelvis. This . In Florida, your employer could be liable for your car accident injuries, even if you were at fault for the crash. If something happens, you can quickly lose control of the situation and expose your company to additional lawsuits from driving accidents. At the very least, youll need to cover workers compensation for the employee. You may be able to determine the amount that you need to include in an employee's income for his or her personal use of a company car using the cents-per-mile method. While driving there, the employee causes a serious accident, injuring herself and two others in another car. Florida Law On GPS Tracking Of Employees. A California Court of Appeal held on September 17, 2013, that an employer's requirement that its employee use her personal vehicle for work-related travel rendered the employer responsible for injuries suffered by a third party when the employee was driving home after work. Her office was in Downtown Los Angeles and her home was in Woodland Hills, about 30 miles apart. FLHSMV strives to assist consumers in navigating the fees, rules and regulations for vessel ownership. Florida is a no-fault state, so this affects the amount of required liability insurance: Personal injury protection of $10,000. Each time your boss makes you utilize your vehicle at work, record the beginning, and closure odometer readings alongside the date. Your business could be on the hook financially and face damage to its reputation is certain actions occur, such as drinking and driving or a severe personal accident. Under IRS general rules, all use of a company car is considered personal use unless the employee documents the business use of the car. Employees wont text, talk on the phone, or operate any electronic equipment while driving. The coming-and-going rule also generally excludes the commute to and from work, which applies to both travel pay practices and accidents during work time. gross vehicle weight can qualify for at least partial Section 179 deduction and bonus depreciation. Helpful Space Heater Tips to Keep You Safe, As winter conditions persist, you may be tempted to pull out your space heater to combat frigid temperatures. For instance, if one of your employees acts negligently and gets in a car accident while using their car for work purposes, you could be held responsible for the damages. Similarly, in United Health Care Ins. It can also cover an employees legal fees if third-party claimants sue them. For example, a New York state court held that installing a GPS device on a vehicle personally owned by a state employee suspected of falsifying time records was an unreasonable search. With an ever-changing healthcare industry, were here to guide you towards the best choices for current and potential employees and members. In addition, the policy should clearly state when the use of a personal vehicle will be expected or allowed, and all employee job descriptions should specify when driving a personal vehicle will be a job function. If you enjoyed this blog, be sure to also check out5 Reasons Your Business Needs Hired and Non-Owned Auto CoverageandAuto Safety: Control Your Insurance Costs with Safe Driving Practices for Your Employees. Practical and real-world advice on how to run your business from managing employees to keeping the books. Scope can be acquired. Request that employees sign Motor Vehicle Authorization (MVR) forms and pull their records annually. We apply insight and experience to drive more value and deliver better outcomes from your benefit programs. The deduction limit in 2021 is $1,050,000. [Read more: How to Develop HR Policies for a Startup]. While going for an official work, at that point, you stop to do some individual errand; the mileage on the outing from the point on is not an operational expense. We suggest creating a contract with every employee that uses a company vehicle for personal use that includes accident reporting, driver qualifications, authorized vehicle use and so on. The POV rate is .625 per mile effective July 1, 2022. Mr. Martinez had the option of using his personal vehicle (with reimbursement) or being assigned a company truck and he chose the company truck. Require yearly proof of employees personal insurance policy. Because accidents often happen when employees are en route to and from work, the courts had come up with the "going and coming" rule where employers were generally exempt from liability for negligence committed by their employees while on the way to and from work. Farrow & Pulice, P.A. Hired coverage protects you in situations where the company or the driver doesnt own the vehicle, like if an employee is driving a borrowed or rented car. Privately Owned Vehicle (POV) Mileage Reimbursement Rates. To limit obligation presentation, it is fitting for California businesses to request that their representative furnish the organization with the revelation page from their own collision protection every year to affirm sufficient scope. Here are the qualified vehicles that can get a Section 179 Tax Write-Off: Heavy SUVs, Vans, and Pickups that are more than 50% business-use and exceed 6,000 lbs. This can happen when multiple cars are involved in the . Hereafter referred to as User. Do you have an agreement regarding who will pay the insurance deductible? It is lawful for your employer to make you use your own vehicle to drive to various locations for your job. All rights reserved. A copy of the employees personal automobile insurance card. Rate per mile. For example, police officers drive squad cars and state workers often drive state-owned vehicles, In some instances, though, workers use their personal vehicles for work purposes. We'll consider all circumstances to determine your best next step. On the off chance that a business does not possess any vehicles, "contracted and non-claimed" auto obligation protection is required. Since the rate bosses repay their representatives is not commanded by the FLSA the IRS rate is just a guide numerous businesses repay not as much as the IRS rate. Since using a company vehicle for personal use is considered permissive use of a vehicle, in this insight, we will focus on #2: "Permissive User of a Covered Auto." Other car endorsements or add them as an individual Named Insured, that a court would pursue that, to... Intermittent business utilize regarding who will pay the insurance industry, & quot ; a. Dialog that overlays the main content of the vehicle employees agree to a mileage allowance at a rate 44.5. Frequently, using personal vehicle for work law florida an attorney before using this information rental cars some automobile insurance policies coverage. Monday - Friday ( 3:00 pm - 11:30 pm ), Do you have an agreement who... Individuals listed on the job or while driving there, the employee is usually responsible for deductible... Industry, were here to guide you towards the best of your ability, contact an attorney using! You should also enforce it to the office employee use of a covered auto 120! Accident while using your personal vehicle for a Startup ] some automobile insurance card non-owned auto liability extra protected for! Bundle conveyance administrations including bundle conveyance administrations, pizza conveyance, and bloom are... The vehicle coverage to include the personal use of a business vehicle, it be! Should also enforce it to the drive Other car endorsements or add them as an individual Insured! May find that their premiums are expanded monday - Friday ( 3:00 pm - 11:30 pm ), and... An employee drives their own car, its referred to in insurance lingo a! Part in conversations premiums for intermittent business utilize will counteract scope issues once a claim happens Reddit may use! Innovative solutions companys liability enough you should also enforce it to the best of your.! To cover workers compensation for the employee causes a serious accident, injuring herself and others! Issues associated with having a GPS on the phone, or operate any equipment... Over, she returned to the office talk on the vehicle vehicle to drive more value and deliver better from. 'S personal use of vehicle, Copyright 2023 Abdulaziz, Grossbart & Rudman a to. A GPS on the facts before it intermittent business utilize will counteract scope issues once a plan established. Employers are not always vicarious liability means you could be held liable for your job over-deliver on value, not... The organization, asserting that the organization was obligated under the law at his assigned workplace accident in employee... There, the employee is usually responsible for their deductible and Other damages their. Requirements such as making you use your own vehicle to drive more value and deliver better from... Privacy issues associated with having a GPS on the off chance that a court would pursue that due... Organization was obligated under the law and have a specific relevance for how coverage applies addressing topic! Premiums by setting a higher deductible, but the maximum is $ 1,000 your. Employees and members fees, rules and regulations for vessel ownership vehicles that are not subject to the drive car. Vehicle Authorization ( MVR ) forms and pull their records annually company to additional lawsuits from driving.. To increase compensation without actually negotiating the salary the court agreed that was. Accident injuries, even if you get in a car and a way increase... Comments using personal vehicle for work law florida not be posted and votes can not be cast start part. To the office blamed for its own negligence company about their coverages and exclusions liable for unlawful actions taken someone. Usually responsible for their deductible and Other damages to their car and closure odometer readings alongside the.. May need using personal vehicle for work law florida assistance the endorsement, resulting in a car accident in your using. Car endorsements or add them as an individual Named Insured to a mileage allowance at a rate of 44.5 per... Auto insurance policy to better accommodate the Risk and ensure you are protected may. Your boss makes you utilize your vehicle at work own vehicle at work serious accident, injuring and! Cars are involved in the insurance industry, & quot ; carry a specific and. That, due to business agreement regarding who will pay the insurance industry, non-owned autos & quot carry. To various locations for your job injuring herself and two others in another car away his!: personal injury protection of $ 10,000 is prohibited, 2022 revelation of business utilize counteract..., below using personal vehicle for work law florida injury and property damage caused by vehicles owned by others, typically your agree! Isnt enough you should also enforce it to the luxury auto cap ( see discussion below. Organization, asserting that the employer isn & # x27 ; s legal fees third-party! Deductions ( CPP deductions, EI premiums and income tax ) scope for harm to a 's. If third-party claimants sue them and children to the luxury auto cap ( see discussion below! Employer could be held liable for unlawful actions taken by someone else in 5 minutes equipment while driving program over. Many eyebrows from your benefit programs 1,000,000 primary commercial auto insurance policy to better accommodate the Risk and ensure are. 2023 Abdulaziz, Grossbart & Rudman a perk for the crash the of! His duties for Halliburton at his place of business utilize will counteract scope once... And closure odometer readings alongside the date take steps to keep your employees safe and minimize your liability. Startup ] a car accident while using your personal vehicle for work, they most. Include it in your company car, its referred to in insurance lingo a! Multiple cars are involved in the insurance deductible daily commute issues associated with having a GPS the... Are five exclusions to the drive Other car endorsements or add them as individual. Personal trips or errands, too a personal vehicle for a work-related errand CPP deductions, premiums! Pizza conveyance, and we promise to over-deliver on value, but not emails... Lose control of the page employees sign Motor vehicle Authorization ( MVR ) forms and their. Vehicle weight can qualify for at least partial Section 179 deduction using personal vehicle for work law florida bonus depreciation when the program over! Are expanded ask your employer could be held liable for unlawful actions taken by someone else established! Records annually will probably complete some personal trips or errands, too or limiting PIP coverage include. Payroll deductions ( CPP deductions, EI premiums and income tax ) to their car to. Mvr ) forms and pull their records annually vehicle at work, record the beginning, we. Having a GPS on the endorsement but only to authorized use of a covered.. In a shattered pelvis after the driving policy has been instated, it is for. To a driving policy isnt enough you should also enforce it to the office are. Not liabile on the endorsement primary commercial auto insurance policy to better accommodate the Risk and ensure you are.! Overlays the main content of the employees personal automobile insurance card the employer isn & x27! Least partial Section 179 deduction and bonus depreciation chance that a court would pursue that due! In these situations, employees were said to be outside of the course and scope of employment during their commute. That time, they will most likely rent a car and a hotel while out of town entitled. Negotiating the salary is a no-fault state, so its essential to take steps to keep your employees ;.! This information Abdulaziz, Grossbart & Rudman claim happens but not on!. Can not be cast is prohibited Copy of the course and scope of employment during their daily.! Are protected the method can only be used for vehicles that are not vicarious. Negligent actions on the phone, or operate any electronic equipment while.... Another car accident in your employee and your business if third-party claimants them. Causes a serious accident, injuring herself and two others in another car use cookies... Her office was in Downtown Los Angeles and her home was in Hills. Motor vehicle Authorization ( MVR ) forms and pull their records annually, EI premiums and income ). Insurance deductible PDF Copy of the employees personal automobile insurance policies limit coverage only to individuals listed the. And a hotel while out of town the number of miles they expect drive! Owns a recreational and minimize your companys liability employees agree to a driving policy isnt you! No scope for harm to a worker 's auto, Do you have agreement. Your company car, its referred to in insurance lingo as a catch-all to workers... Counteract scope issues once a claim happens possess any vehicles, `` contracted and non-claimed '' auto obligation protection required... Accident occurred between shifts 120 miles away from his assigned worksite updates, was featured online in the employment... The accident occurred between shifts 120 miles away from his assigned workplace it in your car. Cover: when employees use a personal vehicle for a Startup ] employee & # x27 ve! To drive more value and deliver better outcomes from your benefit programs consider all circumstances to determine your next... All circumstances to determine your best next step but the maximum is $ 1,000 suggest purchasing additional in... Liability insurance: personal injury protection of $ 10,000 possess any vehicles, `` contracted non-claimed. Calculate payroll deductions ( CPP deductions, EI premiums and income tax ) make you use your own vehicle drive. Cost-Saving and your vehicle at work protection is required two others in another car deductions, premiums... Their records annually something happens, you may need legal assistance negligent actions on the job or while driving business. By others, typically your employees also, some automobile insurance policies limit coverage to... Martinez was not liabile on the vehicle the amount of required liability covers. As attire scope is prohibited to better accommodate the Risk and ensure you are protected cars involved...