CORONAVIRUS UPDATE: What We Are Doing to Protect Our Clients

Articles Tagged with self-employed

In a previous blog we discussed California law regarding permissive users.  As already explained, a permissive user is someone not listed on an insurance policy but is a person that we gave car accidentpermission to use our vehicle.  This is a person who does not live with us and does not use the vehicle frequently. Additionally, for permissive drivers to be covered, the insurance policy must not contain an exclusion prohibiting all ‘permissive users.’  Consumers should clearly understand not only who is considered a permissive user but who is NOT considered a permissive user so that they do not have problems with their insurance carrier.

It is also important to remember that insurance follows the owner of the car and not the driver of the car in California so good judgement needs to be used when loaning out your car.

Almost all business prohibit alcohol consumption by employees during work hours. However, there may be occasions where alcohol consumption by an employee may occur, perhaps a office party or at a marketing event.

United States courts do not see eye to eye regarding the liability of an employer for injuries caused by employee intoxication. However, since 1974 the court has established some basic guidelines to establish employer liability.

At times, injuries and/or the medical appointments required to heal from the injuries, can cause a person to sustain a wage loss as part of their personal injury claim. A larger wage loss claim may exist when the injuries a person sustains does not allow them to return to their previous vocation. Not all wage loss claims are equal. This is especially true when a person is self-employed.

Often, proving lost wages for a self-employed person can be difficult. However, it can be done.

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