Wednesday, June 15, 2022

Can My Employer Ask To See My Car Insurance

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Sjz Member New York Bar / Freeadvice Contributing Attorney

Can I Sue My Employer For My Injuries?

Answered 9 years ago | Contributor

It doesn’t matter whether the law require license or insurance–your company may still require it. Your company can establish requirements or criteria for doing your job or using company-owned vehicles that means they can require you to furnish proof or copies of your driver’s license and automobile insurance. Just as you could, for example, refuse to lend your car, an ATV, a golf cart, etc. to a friend unless he or she showed you a license and satisifed you as to insurance, so can your company do the same.

IMPORTANT NOTICE: The Answer provided above are for general information only.The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person.Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcomeor an attorney’s conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not beauthorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike theinformation in the Answer above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Will My Medical Marijuana Card Come Up On A Background Check

A lot of companies require you to go through a background check before youre hired. This can include a general report that will show if youve been convicted of any crimes, what your educational background looks like, and/or your previous work history. Its possible for potential employers to do more extensive background checks, such as into your credit history and some specific health inquiries, if youre applying for more stringent careers in areas like law enforcement, the military, or anything with children. In a straightforward background search, your medical marijuana card will not turn up.

Image by Free to Use Sounds on Unsplash: Its possible for you to not get a job youve applied for if the employer learns of your MMJ card.

Can An Employer Check My Criminal Record

Yes, an employer can check your criminal record. In fact, most employers will carry out criminal background checks when they are hiring for positions at their business. However, a new law was introduced at the start of the year, known as the ban-the-box law in California. This is an amendment to the Fair Housing and Employment Act , which is in place in the state. This law means that it is now against the law for both public and private employers with 5+ members of staff to make enquiries concerning criminal history until the application is toward the final stages. The reason for this change in legislation is to make sure that employers consider each persons suitability for the job first, rather than immediately assessing a person based on their criminal history.

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How To Fix Insufficient Employee Car Insurance

To address this hidden relationship between an employees car insurance and a companys risk, first understand why employees elect to procure insufficient insurance. It all comes down to cost control and risk aversion. Most states set very low minimum required insurance coverage. And many individuals buy lower limits because they want to save money and theyre not worried about the risk.

A lot of people could fit that description. And they may be working for you right now.

The solution?

What Rights Does The Employer Have To Your Workers Compensation Medical Record

Car Not In My Name Can I Get Insurance

Employers will often seek to minimize your injuries. Theyll argue that you werent really hurt. Theyll say you should have returned to work by now. Employers and their insurance companies will try to blame your injuries on other medical conditions.

Employees should understand that there are limits in Tennessee to what types of medical information about workers employers can obtain. Generally, employers are not entitled to request your medical health records from your doctors without your consent or a court order.

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Why Would An Employer Need Proof Of Auto Insurance

Employees who drive regularly for work should be covered by a commercial auto policy, but their personal policies can also act as supplemental insurance employers may ask for proof of insurance to make sure youâre fully protected by both in the case of an accident.

Business owners may also ask for proof of auto insurance in order to confirm that employees who operate vehicles as part of their job have the minimum auto coverage required for their state. These mandatory minimums include bodily injury liability coverage and property damage liability coverage. However, personal injury protection and uninsured/underinsured motorist coverage are optional in many states.

Employees should also be adequately covered in between policy renewals and when driving for work-related purposes at all times, so business owners may ask for proof of insurance as part of a regular verification process.

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Whos Legally Allowed To Ask For My Sin

According to Service Canada, the collection, use and disclosure of your SIN by the federal government or other organizations are guided by specific legislation and/or by authorization from the Treasury Board. Here are a few of the most common uses of your SIN :

  • For employment purposes
  • For income tax information purposes
  • To get Canada Pension Plan benefits
  • To get Employment Insurance benefits
  • In relation to child support payments

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Can Jobs See If You Have A Medical Marijuana Card

At this time, there is not a specific database that lists MMJ cardholders . Employers do not generally have access to a government database like this, and even that one typically issues you a user ID so that your personal info like name and address are not listed. Additionally, because marijuana is becoming legal recreationally in more states, there isnt a quick way for employers to determine if youre a cannabis user .

Can An Employer Check My Credit Without My Permission

Can I Ask My Lawyer For a Copy of My Settlement Check?

No. Your employer needs to ask for your permission in order to perform a credit check. As per the FCRA, you must provide your employer with written permission before they are able to access your credit report. If your employer goes ahead and checks your credit report without permission from you, then he or she is in violation of the FCRA.

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How Much Will I Be Paid

In most cases, your benefit check, which is paid bi-weekly, will be 66 2/3 percent of your average weekly wage. If you were injured before October 1, 2003, this amount is calculated by using wages earned during the 91-day period immediately preceding the date of your injury, not to exceed the state limit. If you worked less than 90% of the 91 day period, the wages of a similar employee in the same employment who has worked the whole of the 91-day period or your full-time weekly wage may be used. If you were injured on or after October 1, 2003 , your average weekly wage is calculated using wages earned 13 weeks prior to your injury, not counting the week in which you were injured.

In addition, if you worked less than 75% of the 13 week period, a similar employee in the same employment who has worked 75% of the 13-week period or your full time weekly wage shall be used.

What Is Proof Of Auto Insurance

Proof of auto insurance can be an insurance card, a certificate that shows youre insured, or a copy of your auto insurance statement.

In most U.S. states, you must carry proof of car insurance when applying for vehicle registration. Some states allow electronic proof of insurance, according to Claims Journal, but your employer may require a paper copy.

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Business Partners To Convince Building Your Business Reputation

The Workplace Challenge was launched in February 2021 by Business Partners to CONVINCE a global communication and education initiative to promote COVID-19 vaccine uptake among private sector employers and employees. The partnership also plays an integral role in the broader, global CONVINCE .

Businesses that sign up to the Challenge agree to:

  • listen to employees needs and concerns about the impact and prevention of COVID-19
  • follow the latest public health guidance to protect themselves, their employees, their workplace, their customers, and their community from COVID-19
  • promote vaccine literacy based on the latest scientific evidence of vaccination benefits and risks
  • encourage vaccine confidence and uptake
  • advocate for accessible, equitable, and timely vaccination of employees
  • engage with communities, schools, faith-based organisations and public health leaders to stop the spread of COVID-19

Who Should An Employee Talk To About A Medical Condition

Who is the policy holder for the insurance covered by an ...

While speaking about a medical condition with an employer can seems daunting, it is always best to let them know of anything they should be aware of. There are many reasons why you might wish to disclose this information to someone at work. For example:

  • You need reasonable adjustments to be made in order to perform in your job role.
  • There are symptoms to your condition which may require action from someone else i.e. if you have a seizure or come into contact with an allergen that causes a severe reaction.
  • Day-to-day stressors might affect your condition, in which can you may want your employer to be aware so that they are able to manage your work load better.
  • You might just need some emotional support from someone from time to time.

Whatever your reasons for wanting to share this information at work, it can be hard to know who you can talk to.

The best people for an employee to speak to are:

  • Direct managers.
  • Occupational health advisors.
  • Trade unions .
  • HR managers, who may be able to provide advice and also to offer support with any adjustments, sick days and flexible working hours if needed.

Whilst employees have the option to keep new medical conditions hidden, it can be extremely difficult to do so. It might actually be beneficial for the employee to volunteer that information.

Employers also have a right to ask for medical certificates and proof of any condition, including fit notes if necessary, which should also be kept in a secure place.

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Protect Your Employees’ Personal Information And Sin

  • Store all personal information in a secure area or on an encrypted computer system and ensure that only authorized individuals have access.
  • If you become aware that an employee’s SIN has been stolen or inappropriately used, take immediately the following steps:
    • assess the damage
    • contact Service Canada at 1-866-274-6627
    • contact the Office of the Privacy Commissioner, and
    • if any criminal activity occurred, contact the police.
  • More information is available in Annex 4 of the SIN Code of Practice, on the Canadian Anti-Fraud Centre site and on the Consumer Measures Committee site.

What Employers Can Do To Support The Vaccination Of Their Workforce

We are urging employers up and down the UK to encourage their employees to get vaccinated. Organisations can play a vital role in helping to promote vaccination as part of their responsibility to help reduce workplace risk.

Through collective effort we can help people make well informed decisions and encourage as many people as possible to get the COVID-19 vaccine.

There are number of things you can do as an employer to promote vaccination within your workforce.

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Can My Employer Ask For Insurance And Registration Information On A Vehicle Tha Is In Someone Else’s Name That Is Not Employed By Them

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Ask Darraslaw: Can The Insurance Company Demand My Tax Returns

Car Insurance Adjuster Sends You a Check You Didn’t Even Ask For! What Do You Do Now?

Every dollar matters when you are unable to work due to a disabling injury or sickness. When tax time rolls around the thought of producing your tax return to an insurance company is certainly distressing.

Is your carrier really able to do that? The long-term disability insurance company may be telling you that they are entitled to part or even all of your tax return, but you cannot afford to take their word for it.

Let an Experienced Disability Attorney Answer Your Questions

Before, signing an authorization form, or agreeing to anything verbally, it is in your best interest to listen to the wise words of Frank Darras. He is Americas Top Disability lawyer who has fought insurance companies across the nation on behalf of long-term disability clients.

Over broad are frequently demanded by insurance companies, so be careful. Unfortunately, the carrier has language in most of their policies that allows them to ask for all your financial information because they want to see how much money you were earning at the onset of the claim and what other deductions you claimed.Frank Darras

A Reminder of What You Have at Stake

We hope this serves as a reminder of just how important it is to have an experienced disability litigator protecting your legal rights. Matters involving your tax returns, financial records, and medical records can quickly intertwine. This may leave you looking for answers.

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Inform Service Canada If You Suspect That A Social Insurance Number Is Being Used Fraudulently

Is Your Auto Insurance Rate Based On Your Income

What do auto insurance companies check? Here are the basic types of information that insurers usually ask for when you apply:

  • Name, age, address, and date of birth
  • State of residence, make, model, and type of car being insured
  • Social security number and other identifiable information
  • VIN number of car

Will my car insurance go up if I am unemployed? While they do not normally ask for employment status for car insurance, in some cases, it is required. If you do not want to provide information regarding your employment, or if you are currently looking for auto insurance for unemployed drivers, simply tell the insurance agent this when you apply.

In some cases, your premiums are based in a small part of your income. Insurance providers, like any other company, have to consider the income-to-debt ratio and your overall ability to pay.

They need to keep premiums paid each month to keep their reserve stable for all customers.

While most companies deny that they base premiums on income, a study by the Consumer Federation of America found that Geico charged drivers with a high school education more than those with a college degree.

Based on this information, its easy to see how employment could be figured in as a factor.

Your job does affect car insurance, as you can see in this car insurance occupation list. The examples below show that your occupation will certainly change your rates.

Geico Average Monthly Auto Insurance Rates Based on Occupation


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What About During Recruitment

The recruitment stage is the perfect time to get to know everything you need to about a candidate to ensure they are the right fit for the job and to your company.

However, while you may want to lay all cards on the table at the first meeting, its important for employers to know that they are not allowed to ask any questions regarding health or disability during recruitment. This includes questions about the number of sick days taken at the applicants previous place of work.

Exceptions are made for questions that determine the applicants ability to take part in any assessments, and to highlight any adjustments that the applicant might require to have a fair shot at the assessment. There are also exceptions made for questions that determine whether or not an applicant can do a part of the job that is absolutely essential for example, questions that determine whether applicants can climb or do heavy lifting.

If a company can also show that their questions are for diversity monitoring, or to aid positive action , then they are able to ask questions for these purposes.

The recruitment stage covers everything up until the point where a job offer is made. After the offer has been made to the applicant, the rules for employees apply.

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