When a work car accident happens, the first thing that needs to be done is to make sure that everyone involved is safe. If you or someone else is hurt, call 911 right away to get medical help. It's important to see a doctor about injuries, even if they seem small, to avoid more serious problems. After making sure everyone is safe, stay at the scene and, if you can, move the car to a safe place away from traffic to stop more problems. Put on your warning lights to let other drivers know that your car is stopped and they should be careful.
Next, tell the police about the crash. This is important to get a police report and official records of what happened, which may be needed when making an insurance claim. You should tell the police the truth about what happened, but you shouldn't say who was at fault or guess what caused the accident. Let the police make this decision based on their investigation.
While you wait for the police to come, try to learn as much as you can from the scene. Names, addresses, phone numbers, driver's license numbers, license plate numbers, and data about your insurance policy should be shared with the other driver(s). It's also important to keep track of the state of the vehicles involved. Take pictures of the accident scene, including any obvious injuries, damage to the car, and the state of the road. Also, if there were witnesses, get their contact information because what they said could help with the claims process.
As soon as possible, tell your boss about the accident. Your boss will have to tell their insurance company, and they may give you specific directions on what to do next. If you tell your boss about the accident on time, the insurance claim process can start right away. When you talk to your boss and the insurance company about what happened, tell them the truth, but don't guess who was at fault.
Once the accident has been reported, you should work with the commercial car insurer and give them any extra information they might need, like the police report or medical records. Keep track of any costs you have because of the accident, like repair costs or hospital bills.
Finally, if you got hurt on the job, make sure you get medical care and file any workers' compensation claims that are due. It is important to keep track of any changes to your ability to work that are caused by your illness. By following these steps, you can help protect your safety, your legal rights, and the insurance claims process.