If an employee of a roofing company uses your car and gets into an accident, who will be protected by your insurance policy?

• A. Only you the insured will be protected
• B. Only the employee will be protected
• C. Both you and the employee will be protected
• D. All of the parties would be protected by your policy

Answer: (D)

In the context of automobile insurance and liability coverage, if an employee of a roofing company uses your car and gets into an accident, your insurance policy typically provides coverage for multiple parties involved in the incident. Most personal auto insurance policies generally cover not just the named insured (you) but also permissive users of the vehicle, which includes employees driving with your permission.

Therefore, both you, as the vehicle owner, and the employee, as the person driving the vehicle, would be protected under your insurance policy. This can include coverage for damages arising from the accident, as well as liability for bodily injury or property damage to third parties. Insurance policies often have specific terms outlining coverage for permissive users, which reinforces the notion that both you and the employee are protected.

Coverage specifics may vary depending on the policy details and state laws, but the general principle is that when an insured vehicle is being operated with permission, the policy protects all parties within the bounds of its coverage.