[QUOTE=Rebecca DiMwitter]
My boss, the owner of one of the premiere general contractor businesses in the state, is a wacky guy. He’s gruff as hell, flippant as hell, annoying as hell, sarcastic as hell, and yet generous as hell.
[/QUOTE]
He’s also unprofessional as hell, negligent as hell and not-overly-good-at-anticipating as hell. No offense, but based upon your OP, this is what he is really facing:
The day will come when he is hit with a lawsuit. Or two. Siince he has purchased the company truck with company funds, I suspect the state registration and insurance cards name the company as well as him as owner, and as you mentioned specifically, it was purchased to be used to run vehicle-required errands such as filing forms and papers, he has quite clearly in the eyes of insurance and ownership made this a Company Car.
His generous as hell behavior has already created an unprofessional situation- witness everything you wrote in your O.P. Additionally, when SusieQ makes a bad turn into the local Dairy Queen and kills Mrs. MacGillicuddy and her 11 month-old triplets by t-boning Mrs. MacGillicuddy’s mini-van with force sufficient to flip it over, SusieQ is not the only one who will be named in the suit. So will Mr. Gruff But Great As Hell, as will his corporation as a separate entity.
IANAL, but simple adult understanding of how the world WORKS brings me to what I wrote above. I am not trying to dispense legal advice, nor pose as an attorney in any manner. Let’s be really clear about this. Having just recently purchased a vehicle, I am very aware of- at least in New York State- how specifically the owner’s name must match between insurance card and registration card. SusieQ is not the owner. You are not the owner. Being covered under the company liability policy while driving around during the day is dicey enough. Have you asked Mr. Boss very clearly to call his auto insurance and business liability carriers and ask if this specific use of the vehicle covers yourself and your co-workers, or if in fact you are personally liable because you are using his car, during the work day, to do his bidding, but you are in no way insured by his auto carrier to do such? Work making him or the office manager call both his liability carrier and auto carrier, and ask for the answers in writing, on paper. Not an email. I’d do it, and as I said before, I’m not a lawyer- just a person who is paranoid enough about exposure to liability and risk. No doubt some of our Doper attorneys will come along to tell you I’m fulla bunk for thinking along these lines, but in your position- being told to use his car to do business on his time?- I’d make darned sure that I was specifically named in his auto policy.
You are wise to avoid the use of this vehicle, at all costs. I honestly think this guy is just begging for a tragedy to take out his personal and professional assets. Steer clear, pun intended.
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