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Old 01-17-2013, 12:00 PM   #1
Laura24
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Personal car/business trip

I had to use my personal car for a business trip. I am paid for travel time and reimbursed for gas. On this trip a rock kicked up, cracked my windshield. Couldn't pinpoint the culprit as I was on the parkway. Who is responsible for paying for replacement. Just want to hear some outside points of view to ease my pain. My deductible is the total cost of the windshield.
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Old 01-17-2013, 12:05 PM   #2
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I'd be willing to bet you. But, never hurts to ask.
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Old 01-17-2013, 12:06 PM   #3
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Quote:
Originally Posted by Laura24 View Post
I had to use my personal car for a business trip. I am paid for travel time and reimbursed for gas. On this trip a rock kicked up, cracked my windshield. Couldn't pinpoint the culprit as I was on the parkway. Who is responsible for paying for replacement. Just want to hear some outside points of view to ease my pain. My deductible is the total cost of the windshield.
When you say you "had to" did the employer say you were not allowed to use a rental car? And this trip was beyond regular commuting distance? Then maybe the employer ... Does your employer's insurance policy cover you? If so, let them deal with it.

If not, I wouldn't file. Keep your number of claims down. But if you do, make sure your insurance company knows you were traveling on business, in case they want to go after your employer's insurance. And personally, I would just handle it myself and chalk it up to "life happens." And have the company pay for a rental next business trip.
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Old 01-17-2013, 12:08 PM   #4
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I think you would be responsible. If my shoe broke on the way to work or on a business related trip, I wouldn't expect my company to buy me new shoes (or any other personal item damaged due to normal use). I have no idea though.

Sorry it happened. Can you get it repaired? I saw a windshield repair tent at BJs last time I shopped there. I didn't look really close but they couldn't have been replacing windshields and it must be less expensive too.
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Old 01-17-2013, 12:22 PM   #5
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If you are reimbursed at the IRS rate of .555 a mile, the concept is that it is to cover incidentals including insurance, maintenance etc.

If you were given a gas card to put gas in the car then you might have a bit of wiggle room but my guess is that this will be on you.

This is one of the reasons I discourage our employees from using their personal cars for work, when stuff like this happens it can put employee and employer in uncomfortable positions regarding who is responsible for what.
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Old 01-17-2013, 12:26 PM   #6
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Quote:
Originally Posted by Laura24 View Post
I had to use my personal car for a business trip. I am paid for travel time and reimbursed for gas. On this trip a rock kicked up, cracked my windshield. Couldn't pinpoint the culprit as I was on the parkway. Who is responsible for paying for replacement. Just want to hear some outside points of view to ease my pain. My deductible is the total cost of the windshield.
Not sure what kind of insurance you have, but we have had a few windshields replaced and our deductible did not even come into play...the insurance covered it. It is worth a call to your agent (you may have already inquired; I am hoping you are just assuming you need to pay a deductible and hopefully that is not the case.)

Also, when you are reimbursed you say you were paid for travel time and gas. Is your travel time reimbursement an "umbrella" for costs or do you have to provide receipts for everything? Maybe your employer would consider kicking in half of the repair cost, but I personally would not hold my employer responsible to pay. That is why we carry insurance.
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Old 01-17-2013, 12:26 PM   #7
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Originally Posted by mamacatnv View Post
If you are reimbursed at the IRS rate of .555 a mile, the concept is that it is to cover incidentals including insurance, maintenance etc.

If you were given a gas card to put gas in the car then you might have a bit of wiggle room but my guess is that this will be on you.

This is one of the reasons I discourage our employees from using their personal cars for work, when stuff like this happens it can put employee and employer in uncomfortable positions regarding who is responsible for what.
Agreed. That said, some instances are impractical for rental cars. Shorter trips, or driving to the airport, etc.
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Old 01-17-2013, 12:27 PM   #8
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Quote:
Originally Posted by Laura24 View Post
I had to use my personal car for a business trip. I am paid for travel time and reimbursed for gas. On this trip a rock kicked up, cracked my windshield. Couldn't pinpoint the culprit as I was on the parkway. Who is responsible for paying for replacement. Just want to hear some outside points of view to ease my pain. My deductible is the total cost of the windshield.
Double check your insurance and what actually needs to be done.

We have Allstate. However ours is written, if it's a chip with or without small crack(s) that can be repaired by buffing and filling in, then there is no cost to us. But if the windshield has to be fully replaced, it's only a cost of $50.00 to us.

That is just like if we hit a deer, the deductable is only $50.00.
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Old 01-17-2013, 12:29 PM   #9
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If you are reimbursed at the IRS rate of .555 a mile, the concept is that it is to cover incidentals including insurance, maintenance etc.
That's what I was going to say. The mileage reimbursement is calculated to include overall wear and tear on the car.
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Old 01-17-2013, 12:38 PM   #10
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The glass coverage on my car insurance has no deductible charged for glass.
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Old 01-17-2013, 12:40 PM   #11
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the glass coverage on my car insurance has no deductible charged for glass.
+1.
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Old 01-17-2013, 12:42 PM   #12
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The glass coverage on my car insurance has no deductible charged for glass.
neither does ours..we use State Farm
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Old 01-17-2013, 01:31 PM   #13
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You must have a high deductible. Windshields are very inexpensive and shouldn't me more than a few hundred dollars, tops.
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Old 01-17-2013, 01:49 PM   #14
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The glass coverage on my car insurance has no deductible charged for glass.
Same here. I'm pretty sure this is a state by state thing. Here in CT, the insurance companies are required to provide free glass replacement as part of the policy (at least that's what my insurance company told me when my windshield had a crack in it).
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Old 01-17-2013, 01:52 PM   #15
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I had a policy that allowed free windshield replacement. But after 3 in 3 years, they gave me a deductible. I honestly don't know what my current policy is.
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