A lot of people tell me that they were in an accident and the person who was at fault said he was delivering lumber for his boss or he was on the way to meet his boss for an appointment. What this means is that not only is the person’s individual insurance company involved in the compensation for this case, but the employer’s insurance company is involved. And that means–particularly in the cases with a severe injury–that there is normally (in addition to a more modest policy on behalf of the person who was driving) a very large commercial policy on behalf of that person’s employer.
There is sometimes some wrangling between the two insurance companies, but that is not a problem for the injured person. In fact, it’s usually a benefit for the injured person. The reason being, the injured person is going to recover the whole amount and really isn’t worried about which of the two insurance companies pays the most.