re: Anyone here have a corporate car or car allowance??

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I haven't heard of that coverage of insurance for non-company cars that weren't transporting anything.

When I've seen it it's to protect company assets as well as the car.

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It has to do with the amount of miles you would be putting on a vehicle "for pay", the mileage quickly exceeds what your normal auto policy deems as "reasonable" and you are technically using the vehicle for commercial purposes and for profit. I can't recall what the policy is called, but its mainly a liability for the company more so than you, so several require it if they are paying you mileage and you are using the vehicle "for your job".

Basically instead of being able to "downsize" your coverage to get cheaper rates (50,000/50,000/50,000) for example, it forces you to carry $250,000+ for each, what this does is you are at work and get into an accident, it is to try and prevent who you were in the accident with from coming after the company you work for.

Some companies require this if you use your personal vehicle, some do not know about it so they won't. You need to make sure up front as like I said it will cost double (at least) over full coverage costs with your insurance.

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I feel pretty good getting $0.38 a mile if .30 is average.

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.30 is just what I've noticed, some offer as high as .45 others as low as .20, .30-.35 was said to be the "average".