This is a complicated one so buckle up.
Background:
I started a 1099 commission-only sales job in NY state approx. a month ago.
Leads were dry, manager offered to send me down to Florida where they needed some help running appointments. This is somewhat out of the scope of my contract, not directly addressed in any way.
They booked a hotel for me to stay, and had a car rented out for me.
Maybe important to mention: before I arrived, I messaged a manager asking about the car rental as it was booked starting one day after I landed, he told me it’ll be fine to pick it up a day ahead – when I arrived, the rental company asked for more money – I paid for an extra day using my credit card (would later on just expense it, whatever).
Unfortunately, a few days in I was involved in a car accident. Pretty serious. Airbags deployed, taken to the hospital in an ambulance. Car will absolutely will be totaled.
100% fault of the other driver, also cited by police. There is no doubt here – made a sudden left turn from oncoming lane onto the freeway when I was traveling at the speed limit (55) straight – he was 92 with medical conditions, ironically traveling to the hospital at the time of the accident.
Back in NY, I only have liability insurance. I have 25/50/25 with PIP of 50K.
My rental car that will be totaled has a KBB value of around $25K.
At this time, I don’t have any information on the other driver’s coverage.
Seems like the company I work for (as a 1099) is taking care of this? The thing is, I’m not sure, and just didn’t want to rock the boat. They asked me where it was towed to, etc.
Bottom line: I understand that any medical would have to go against the offending driver and or my own PIP, but as far as the car… Is it likely my company is taking care of it? Could they be working against me right now to insulate themselves or something? This is Florida, and I have to assume the older gentleman driving an older car had minimum at best, I just want to make sure I’m not out-of-pocket on this car.
As far as medical, I can deal with that, may hire an attorney, first want to settle the car and not have to worry about that.
Complicated out-of-state case
byu/Potential-Listen-912 inInsurance
Posted by Potential-Listen-912
1 Comment
Not related to insurance but sounds like you’re misclassified as a “1099”
Reason being is an actual independent contractor would be responsible for their own rental car (or however they want to handle commuting to a work site) – you would/could then simply bill your client per your contract.
So…you may want to see what’s going on with the vehicle. I’d 100% expect the rental car company to be contacting you.