When the personal vehicle of the policyholder is damaged in an accident, only the policyholder would have to pay the deductible. Even thouth that person was proceeding on company work, the insurance policy of the company would not provide cover for such an act. This kind of accident would be termed as an ‘act of nature’ and the damage occurred would be deemed only as a personal damage and the company would not be involved in any way in this damage.
When the car of the policyholder is hit by a deer and extensive damage occurs when the policyholder was proceeding on company work, the car insurance would cover the damage. Who should pay the deductible, the policyholder or the company?By Lucy Fisher