Statewide Automobile Program Resources, FAQs

Frequently Asked Questions

Note: Agencies with a contractual agreement that hire vehicles directly from a rental car company- those vehicles are determined to be “owned” and there is no requirement for the employee to be performing duties related to the conduct of the insured’s business. There is coverage if they’re at fault for an accident and their passenger is injured while they’re engaged in an activity outside the course and scope of work as much as there is when they’re in a vehicle owned by the agency itself.

While some of these scenarios indicate there is coverage for a non-employee passenger, please check your agency rules.  Some agencies will not allow for non-employee passengers.

Any descriptions of coverage provided are not intended as an interpretation of coverage and should not be relied upon as such. An actual insurance policy must be consulted for full coverage details.