Accidents involving company vehicles can be more complicated than personal car accidents. If someone hits you while you are driving a company vehicle, the insurance process and liability depend on various factors, including who is at fault and the type of coverage in place. Here’s what you need to know:
Determine Fault in the Accident
The first step after an accident is determining who was at fault. If the other driver is responsible, their auto insurance should cover damages. However, if fault is disputed, insurance companies and legal teams may need to investigate further.
Report the Accident Immediately
Notify your employer and the company’s insurance provider as soon as possible. Provide all mandatory details, including the time, location, and circumstances of the accident. Delaying the report could complicate the claims process.
Who Covers the Damages?
- If the other driver is at fault: Their liability insurance should cover repairs to the company vehicle and any medical expenses for injuries.
- If the company has commercial auto insurance: This policy typically covers damages, even if the at-fault driver is uninsured or underinsured.
- If you were driving for personal reasons: The company’s insurance may not cover the accident, and your personal insurance might be responsible instead.
Employee Liability in an Accident
If you were performing work-related duties at the time of the accident, your employer’s insurance should cover the claim. However, if you were using the vehicle for unauthorized personal use, you may be held personally liable for damages.
Compensation for Injuries
If you were injured in the accident, you may be eligible for workers’ compensation benefits if the crash occurred during job-related duties. This can cover medical expenses and lost wages. If the other driver was at fault, their insurance should also cover injury-related costs.
What If the Other Driver Is Uninsured?
If the at-fault driver doesn’t have insurance, your company’s uninsured motorist coverage may cover damages. If your employer does not have this coverage, your personal auto insurance policy might be an option, depending on the circumstances.
Legal Considerations
If the other driver refuses to take responsibility or their insurance company denies the claim, your employer may need to take legal action. In some cases, you may need to provide statements or testify in legal proceedings.
Understanding your rights and responsibilities when someone hits you in a company vehicle can help ensure a smooth claims process and protect you from unexpected liabilities.