What if I was hit by a driver who was at work?
In this video, Sevenish Law answers the question: What if I was hit by a driver who was at work? Drivers at work should be covered by their employers' auto insurance, and possibly other insurance policies, as well as their own auto insurance. It may take some time for insurance companies to work out who should pay. Also, the law holds employers liable for the actions of its employees while on the job and acting within the course and scope of their employment. That means the employer may, and usually does, aggressively try to deny liability or to otherwise attempt to water down the value of the injury victim's claim.