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<blockquote data-quote="bacha29" data-source="post: 2415340" data-attributes="member: 58386"><p>The only experience I had with the matter was a minor but at fault accident I had using the first van I had. The insurer who at the time provided coverage for nearly all contractors had to pay the claim less the deductible The individual contractor of course had to pay the premium. In this case I was on duty with company boxes on board. The other wreck came as off duty as I was bringing the same van (empty) back up to the terminal after service and was rear ended. The insurer paid the claim then subrogated against the other guy's insurer. As for using personal vehicles to dump boxes either on duty or afterward the regional safety director said in no uncertain terms we were not to do that.Easy to explain. If that car is in a wreck and is not registered with the insurer as a Fedex leased vehicle he's not going to pay for the loss or damage to the box. Under the old IC model the vehicle with the company brand on it was considered by X to be leased from the contractor. Using the fleet insurance (marsh/protective), the vehicle, freight, and operator were covered during duty operations but only the vehicle was covered during off duty hours. At least during my time and my state Fedex never directly insured anything. All it did was to assist in directing the contractor to Marsh/Protective but it never paid the premiums. Simply deducted them from the settlement.</p></blockquote><p></p>
[QUOTE="bacha29, post: 2415340, member: 58386"] The only experience I had with the matter was a minor but at fault accident I had using the first van I had. The insurer who at the time provided coverage for nearly all contractors had to pay the claim less the deductible The individual contractor of course had to pay the premium. In this case I was on duty with company boxes on board. The other wreck came as off duty as I was bringing the same van (empty) back up to the terminal after service and was rear ended. The insurer paid the claim then subrogated against the other guy's insurer. As for using personal vehicles to dump boxes either on duty or afterward the regional safety director said in no uncertain terms we were not to do that.Easy to explain. If that car is in a wreck and is not registered with the insurer as a Fedex leased vehicle he's not going to pay for the loss or damage to the box. Under the old IC model the vehicle with the company brand on it was considered by X to be leased from the contractor. Using the fleet insurance (marsh/protective), the vehicle, freight, and operator were covered during duty operations but only the vehicle was covered during off duty hours. At least during my time and my state Fedex never directly insured anything. All it did was to assist in directing the contractor to Marsh/Protective but it never paid the premiums. Simply deducted them from the settlement. [/QUOTE]
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