Sample Passenger Policy Need some Adice

I would talk with the insurance company again. They can add a rider policy for a few dollars? more month and then you make him pay it.


or


(company name)
(company address)


(company name) is insured for the driver, freight and vehicle only. If a driver chooses to allow a passenger, the passenger is not covered under the carrier's insurance policy. The driver or passenger will not hold the company liable for any accident or injury to the passenger and waive all rights to litigation.

By signing this form both driver and passenger understand and agree with the terms of agreement.


Driver ______________________________ Date _________________


Passenger _________________________________ Date ___________________

 

If you are not covered under your insurance policy then if something happens and they sue (expect it, don't think it won't happen because they are nice people) then you are on the hook for defending yourself. Your insurance will not cover you. Even if you have a document it will not stop them from taking you to court. And you will be paying a lawyer to try and get it thrown out of court. And if they can make that happen you are still responsible for legal fees even if the court grants you legal fees (hard to make happen if you are the company) you still have to collect.

I understand the desire to grow and not wanting to turn down someone that seems like a good fit for something that should be fairly minor. But discipline will pay off in the long run. And not hiring this driver if passengers are not covered under your insurance is the disciplined thing to do.

Also ask about what the increased cost of having a rider. Most insurance companies add about 5% to premiums.

 

You might want to get the extra insurance and charge them or split it with them. Anything they sign wont hold much water in court. Your company will still be liable for any accident or injury caused by your company

 

Your insurance company should be able to do a rider for authorized only passengers, and like the others said it shouldn't be a whole lot a month. Better safe for your sake, esp in the land of sue me because if something happened and a major wreck occurred with physical injuries, guess who is going to pay for it most likely.

My husband worked for US X a few years ago and I rode with him, helped do the mapping, keeping track of notes on load, etc. Cooked meals in the truck so we didn't waste time eating out all the time (too expensive anyway). I wouldn't do anything that the company may have thought I had not rights to do. You might have a happy camper that way also if she goes.

 

And be sure to provide the driver with an authorization letter for her presence. Put it on your letter head and sign it. It's a must in a commercial vehicle if they are stopped.

 

I know when I went out with my husband the company made me sign a waiver along with getting a copy of my drivers license to go with the waiver. He had to pay $25 for the week that I went out on the road with him.