Work car and damage. Am I liable?

DullGreyGuy

Lukeedwards88 said:

DullGreyGuy said:

Lukeedwards88 said:

NCC1701-A said:

Whatever happens with your employer, you should inform your own insurance company as if you have an accident in your own vehicle you may find them using it as an excuse not to compensate you.

How would my own insurance company know? 

As there is no liability going to attach to your own policy in most cases you will only have to inform them before renewing. You'll see the question asked is if you have any incidents in the last 5 years irrespective of what vehicle you were driving nor if you claimed or not. 

Insurers and others report claims into CUE which helps prevent fraud when policyholders "forget" to mention a prior claim or incident. The consequences these days can be sever in that insurers have a statutory right to void your policy and keep the premiums if they find you've made false declaration intentionally or recklessly even if they'd have happily insured you had you made a true declaration (obv they may not exercise that right and instead give you a change to pay the premium shortfall)

Do I need to inform them as soon as a claim has been made etc? Or when I renew? 

You need to check your policy wording, in most cases I would expect it to be prior to renewing however inevitably some will want to know sooner.