Caution! Your employer's insurance may not cover you driving your company car. Extended non-owned auto liability (ENOAL) can often address this problem.

If you drive a company car, your company's insurance provides liability insurance while you use it with your employer's permission. Misunderstandings over permissible use can and do occur. An employee thinks he or she has permission to use the car for personal use, but the employee manual says otherwise. There are other concerns. Learning about these limitations after an accident can be financially disastrous.

Adding ENOAL coverage to your policy for $10 to $20 per year per driver may give you added peace of mind.

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