Can just anyone drive the company car?
Yes. However there is a thing called Negligent Entrustment that can come back to bite you. The law expects us to use reasonable care when we give someone the keys to our car.
In addition to being liable for Compensatory Damages arising out of an accident, the courts have the authority to assess Punitive Damages in cases of Negligent Entrustment. Why is that a problem? Because most states allow courts to assess Punitive Damages, but they prohibit payment for Punitive Damages under an insurance policy and most policies exclude payment for Punitive Damages.
This can add up to a very expensive uninsured loss to a business and there is a long history of very large Punitive Damage judgments in the United States. So be careful of who you allow to operate your car. Monitor and enforce minimum driver standards regarding accidents and violations on an employee’s record.
Jeff Pray CPCU RPLU CIC