Q: Auto accident involving business vehicle
My parents currently own a business. The delivery car was involved in an accident. The driver was not an employee, but the owner of the builder where my parent's business is located at. The car was registered under my father, and insured under the business.
The other driver is suing against the driver and my father.
My questions are:
1. Shouldn't the insurance company take care of it?
2. If my parents were to change the ownership of the house to me, can they go for the house? My parents paid off about half of their mortgage.
A: Your parent's car insurance should take care of the claim. If there is an excess claim, their business may well have "umbrella coverage." Further the owner of the building's insurance would also cover.If your parents are being sued --ad there is a difference between a claim and filing suit--they should make sure their insurance gets copies of anything they get. Wouldn't worry about the house. Only reason they are being sued is as a cya in case the driver--who the other person's attorney doesn't necessarily know wasn't an employee--claims he was on the job for your parents.
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