According to a recent report from the Insurance Information Institute jury verdicts for vehicle liability cases have reached an average of $316,000, far above the liability and uninsured motorist limits most people carry on their automobiles. Does your staff use their own vehicles while on practice business or errands? Did you know that their insurance will not protect or defend you or the practice if sued? Even if no vehicles are owned or titled in the name of the business, automobile coverage for the physician, practice and clinic should be purchased.