One of the issues that usually causes some confusion is employees driving their personally owned autos, company-owned autos or rented autos on company business. Which policy applies – Personal Auto, Business Auto or both? Who’s covered by the employee’s Personal Auto Policy? Who’s covered by the employer’s Business Auto Policy? Those are the usual questions. I have to assume that employees and their employers don’t understand how their auto policies apply to the business use of employee-owned autos, company-owned autos or rented autos. When employees use their autos, company autos or rented autos on business, we may have to rely on both the Personal Auto and Business Auto policies for coverage. But, who’s covered by each policy? credit-based insurance score is useful as a rating factor, but in those states where it is used, it is only one of many that are used. Because your personal credit history affects your credit-based insurance scores, it is important to regularly review it and make sure it’s accurate. The Fair Credit Reporting Act (FCRA) allows you to order one report for free from each of the major credit reporting agencies each year. You may also purchase a 3-in-1 report to review your scores from all three major credit bureaus—Equifax, Experian and TransUnion.