Car accidents are a very common sight on all roads and highways, and every one of them is unique and has its own set of complications. However, if you add to the mix the fact that when you had the accident you were driving a company car, things can take a completely different turn.
What would be covered in this type of accident?
If the accident happened while you were driving a company car, and the collision was either partly or totally your fault, the company you work for might be held liable for what happened. In these cases, your employer’s insurance policy would be the one that might have to pay any damages that the other driver sustained during the wreck. The same may apply when the other party is a passenger of another car, a pedestrian, or someone riding a bicycle or motorcycle.
Would my employer’s insurance policy cover me?
Yes, it would. It would protect you from being sued by the other driver or the other injured party. This means that any damages would not have to come out of your own pocket. And if despite this, the other driver attempts to sue you, the insurance policy of your employer will generally cover any legal fees you may incur.
What happens when the accident is not my fault?
If the police officer at the scene has determined that you were not at fault for the accident, you are entitled to receive damages from your company’s insurance policy. Also, from the insurance policy of the driver who was found to be at fault. And it is not necessary for the other driver to also have been driving a company car. It can be his own personal insurance policy that takes care of your medical bills, any lost wages if you are unable to return to work, pain and suffering, and other miscellaneous out-of-pocket expenses you may have had.
Can I also collect worker’s compensation at this time?
Typically, you will be unable to collect damages from both the other driver’s insurance policy and from worker’s compensation. If you are able to get damages from both, you would have to reimburse worker’s compensation for what the other driver’s policy pad you.
Does all of the above also apply if I am driving my own car for work?
These days it’s more common than ever seeing people making deliveries for their job. If this is your case, however, it is likely that your company’s insurance policy will not cover you. Talk to your agent about it and ask if it would be possible for you to buy a rider that would cover you while driving your own car for work. You can expect an increase in your own policy but it may be worth it if you often drive for your employer.
Have you been involved in an accident while driving your company’s vehicle and don’t know what to do?
At this time, it is important to have the right legal representation to help you fight for your rights. Learn how a car accident lawyer can help either when the car belongs to your employer or it’s yours. Make an appointment today to schedule your initial consultation and find out how you can proceed.