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Brand new Tundra, DESTROYED.

Discussion in 'Members' Lounge' started by klyph, Nov 28, 2006.

  1. klyph

    klyph Dismember VIP

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    I should give a little preface to enlighten you on this situation. I work for a Land Survey company, doing AutoCAD drafting, and my brother is the Party Chief of the field crew.
    Early this summer, my boss buys a new work truck. Well, he buys a Brand New 2006 Toyota Tundra. At first we were like sweet, but couldn't think why he would buy a 2006 to be the WORK truck. I mean the work trucks always get beat up.
    Well, as he was driving to a job, going around a sweeping turn, he hit a patch of glare ice, the truck slid sideways and he was correcting for the slide when he hit the dry pavement again. The truck used it's newfound traction to launch him into the ditch, down an embankment and THROUGH a stand of large trees.

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    Well, as soon as he tells my boss, he shits a fuken brick. Yellin and jumpin up and down, bossco musta called him an MF-er about 10 times mixed in with various other profanities.
    Bossman then proceeds to tell my brother that he will have to pay for it, because he doesn't want it going on his insurance.
    Now I'm thinkin WTF, It's YOUR (boss's) truck on YOUR (boss's) insurance. You took the risk of letting someone else drive it, You are responsible.
    Luckily my brother told him that was BS, since his insurance won't cover the truck and he doesn't have the money to buy another 30k truck. Boss then tells my bro he should at least pay the difference in his insurance premiums for the next 3 years. I still think this is total BS.
    If you get into an accident with the company vehicle, what is your responsibility for the damages?
     
  2. chestercheeto48

    chestercheeto48 Senior Member VIP

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    In my opinion that depends. At my summer job I needed to give my driver's license # in order to be put on the companies insurance. If I wasn't on the insurance I was not allowed to drive it. I would say it really depends on whether or not your brother was on the company insurance.
     
  3. klyph

    klyph Dismember VIP

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    He wasn't, the truck was insured by my boss. We all drive the work trucks, but none of us are on the insurance.
     
  4. chestercheeto48

    chestercheeto48 Senior Member VIP

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    Then you are not insured through your boss's insurance and I would say you/he are liable. Personally I would not drive any work truck unless I am covered by the business that I am hired through.
     
  5. klyph

    klyph Dismember VIP

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    In Alaska, you don't insure drivers, you insure vehicles. The vehicle is covered no matter who drives it, but it goes on the insurance of the person who took out the policy (boss) if it gets wrecked.
     
  6. pissedoffsol

    pissedoffsol RETIRED

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    business truck, on business time = business responsibility.
     
  7. Capt. Orygun

    Capt. Orygun Win the Day

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    if the employer specifically has you sign a form saying you are responsible for any damages caused to his truck then maybe he could sue and get a partial settlement

    other then that, if operating the vehicle was a part of the job then that's what insurance is for, the boss will just have to get over it, I would refuse to pay anything unless there was proof of negligence
     
  8. jamesA

    jamesA Well known pissed off telephone guy VIP

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    that last picture is killer. "Off road" lol
     
  9. klyph

    klyph Dismember VIP

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    Yeah a little too offroad for even the TRD package :p
    But yeah, I'm gonna tell my bro to not cough up a dime. My boss has been bein a douchebag to us since this happened. I think I'm gonna start lookin for a new job.
     
  10. chestercheeto48

    chestercheeto48 Senior Member VIP

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    I agree that he shouldn't have to pay but I am not sure that he is safe. I agree that different states have different policies but I know that here in wisconsin you have to have both the truck insured and the potential drivers of the vehicle on file with the insurance to be totally covered.
     
  11. Capt. Orygun

    Capt. Orygun Win the Day

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    yes but it's on the employer to report company drivers, if the employee was driving the truck as requested by the employer and the employer never listed him on the commercial auto policy the employer won't have a leg to stand on.

    typically though insurance follows the vehicle. if the truck is on the policy they would probably just set the policy up for non renewal after they paid the claim or mandate that all drivers must be reported or future claims will not be paid

    it's what's known as a "material misrepresentation" which is grounds for refusing a claim
     
  12. klyph

    klyph Dismember VIP

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    Yeah, I think thats why bossco is so pissed. His insurance will drop him if he claims it, cuz he was too cheap to list us on his policy. Asshat.
     
  13. Capt. Orygun

    Capt. Orygun Win the Day

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    contractors are the most shady insurance customers walking the earth

    it's funny how people act though, they lie, then when a claim happens they've screwed themselves over. But it's those "Damn Insurance Companies"

    you know why auto rates are so high? 4 out of 10 drivers are uninsured, guess who pays when one of those idiots hits someone with insurance? We do...

    Worse yet some Dems in Oregon want a tax on auto insurance, I say put it on fuel that way everyone will have to pay it, not just the 60% who are responsible
     
  14. Airjockie

    Airjockie Watanabe Whore!!!

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    your bro just suddenly has neck pain...tell that to the boss, gather workmans comp, claim a counter suit for the boss not having sufficient tires for winter driving, collect a settlement, and find a new job.
     
  15. pissedoffsol

    pissedoffsol RETIRED

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  16. Airjockie

    Airjockie Watanabe Whore!!!

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    plus 10 minutes of vulgarity...in a professional workplace is also another suit that can be pressed. No matter what happens, employers do not have the right to bitch out someone. I hope there were witnesses....
     
  17. klyph

    klyph Dismember VIP

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    Bossco is what we call him.
    I heard the whole bitch-out session.
    I doubt this will go to court, but if he keeps up this shitty attitude towards me and my bro, I'm definitely gettin a new job.
    I don't wanna screw him over, I just want him to stop bein a prick.
     
  18. totalburnout

    totalburnout Well-Known Member VIP

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    Werd.

    Its prescribed in employee rights. Employees act under the umbrella of a business, unless acting completely out of the scope of the business. I.e., selling drugs or doing something mischievious or illegal that was not in the job description.
     
  19. Turbo&Auto

    Turbo&Auto Nick Go FAST!!

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    After seeing those Toyota truck commercials, I must say I'm a lil disappointed :( I thought the new Toyota's are Chuck Norris proof :p

    Oh yeah, definately not your responsibility. If he had to add you to his insurance, he slacked cause he didnt want the higher premium with more drivers. If the vehicle IS covered like you say and not the drivers individually, pay the deductible and thats it.
     
  20. B16RacerN2NR

    B16RacerN2NR Working Hard VIP

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    2 out of 5, bud...2 out of 5...:ph34r:
     
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