My company sent me to another state for 2 weeks and I was told to rent a car while I was there. Since our corporate credit cards had expired the week before, they told me to use my own credit card. They also said to decline the rental car insurance as it was covered under their corporate agreement.
I ended up getting into an accident (my fault) and totaled the car. It turns out my company did not realize that the rental car insurance applied to the corporate credit cards only. Therefore I totaled a car without insurance and was considered liable.
My employer is asking me to claim the car under my personal insurance policy, which would obviously increase my premium through the roof. I disagree with this since they sent me on a business related trip and told me to decline insurance since it was covered under their corporate agreement.
How can I professionally resolve this disagreement with the company? I'm not even sure where I should start.
I realize it may lead me parting ways with my company; however even if that's the case I still want to behave like a business professional in my interactions with them.