A
AltonVague
Guest
What is the name of your state? California.
On July 14th I was returning to work after making a delivery to a customer. I was trying to enter a freeway from a two-way n/s overpass. I had to cross the SB lane. A Suburban traveling south cut me off. I tried to miss them & stay on the road, almost heading into the SB lane I lock up my brakes, go over a rounded curb (like a small speed bump) with a 2ft dirt ledge. When my front tires go over the ledge it drags the rest of MY very light '99 S-10.
I slid down the far side of the onramp @ ~60deg ~120ft. I almost made it straight into a phone pole but a concrete creek 4' wide x4' deep stoped me. At the angle my truck went in the left front fell into the gap, tire & all. I was lifted out of my seat & landed hard when I came back down & hurt my back.My airbags didn't even deploy. I ended up with a sprained back & was out of work for the rest of the week. Though I think my back is more than sprained. The worker comp docter had me in & out in 10min flat.
Anyway I have only Liability Ins on my truck. The police report said it was my fault for "Not yielding to oncoming traffic." I was making a mandatory delivery to a customer while on the clock. Our company did not have a "company" car/truck or any other vehicle other than mine. My Companies Ins said their policy only covered company owned vehicles & not employee owned. But get this, If I rent a vehicle & trash it they will cover it. So in the end they would not pay for damage to my truck.
So I thought I could turn to our CEO & ask if they would at least help.
The company is still private & is doing well. I know their cost margin.
With the shipment I made, I could by 2-3 Austin Martins a day.
I worked there for almost 3yrs & my manager was the only other one who put in as much OT as I did for them. But alas Loyalty seems to run one way.
He turned me down, saying that it was my choice to not have full coverage.
Easy for a man that literally has a car for every day of the week.
Esclade, Rolls Royce, T-bird, Mercedes, Suburban, Harley, just to name a few.
Im Hourly, he's Salary that's it.
So the Question is am I stuck with the bill?? What is my recourse?? Does Worker Comp cover this??
TIA
On July 14th I was returning to work after making a delivery to a customer. I was trying to enter a freeway from a two-way n/s overpass. I had to cross the SB lane. A Suburban traveling south cut me off. I tried to miss them & stay on the road, almost heading into the SB lane I lock up my brakes, go over a rounded curb (like a small speed bump) with a 2ft dirt ledge. When my front tires go over the ledge it drags the rest of MY very light '99 S-10.
I slid down the far side of the onramp @ ~60deg ~120ft. I almost made it straight into a phone pole but a concrete creek 4' wide x4' deep stoped me. At the angle my truck went in the left front fell into the gap, tire & all. I was lifted out of my seat & landed hard when I came back down & hurt my back.My airbags didn't even deploy. I ended up with a sprained back & was out of work for the rest of the week. Though I think my back is more than sprained. The worker comp docter had me in & out in 10min flat.
Anyway I have only Liability Ins on my truck. The police report said it was my fault for "Not yielding to oncoming traffic." I was making a mandatory delivery to a customer while on the clock. Our company did not have a "company" car/truck or any other vehicle other than mine. My Companies Ins said their policy only covered company owned vehicles & not employee owned. But get this, If I rent a vehicle & trash it they will cover it. So in the end they would not pay for damage to my truck.
So I thought I could turn to our CEO & ask if they would at least help.
The company is still private & is doing well. I know their cost margin.
With the shipment I made, I could by 2-3 Austin Martins a day.
I worked there for almost 3yrs & my manager was the only other one who put in as much OT as I did for them. But alas Loyalty seems to run one way.
He turned me down, saying that it was my choice to not have full coverage.
Easy for a man that literally has a car for every day of the week.
Esclade, Rolls Royce, T-bird, Mercedes, Suburban, Harley, just to name a few.
Im Hourly, he's Salary that's it.
So the Question is am I stuck with the bill?? What is my recourse?? Does Worker Comp cover this??
TIA