For those companies that reimburse mileage instead of providing company cars, how do you protect your company from loss of property when a tech's car is broken into, stolen, the tailgate flips down and all parts scatter on the highway, or there is accident? Do you write it off? Do you bill the tech and let him file with his insurance? Do you require the tech to list the company on his auto insurance as an additional insured (which is what we are doing)? Our mileage considers this and covers any additional cost, but as we have talked about in other threads, many techs do not use the mileage check to pay for their auto expenses in full.

Also, how are you prepared to handle when a tech is in an accident on company time and someone decides to sue the company, especially if the tech's insurance isn't enough?

Thanks!