What Happens If You Crash The Company Car?

what happens if you crash company car accident vehicle insurance

Let’s look at a possible scenario. Your employer tells you to leave work early so you can take some packages to the post office. On your journey home, you hurt someone in a serious car accident. Will your employer be liable for damages that you caused to the company vehicle? 

Usually, your employer will be liable for any injuries you cause to an individual using the company car for personal reasons. This applies to all forms of negligence on the part of the company. 

While many car crashes are preventable, it is still important to be careful when driving. This is true for any type of automobile, especially when you are driving your personal vehicle or your company's vehicle. If you have no insurance or only coverage for your company vehicle, you should always have liability coverage with you. 

It is also possible for your employer to be liable in a personal injury case, and that depends on how involved you are in the accident. If you are the one who was at fault in a car crash and injured a third party, the employer may not be liable. This is because you are considered a third party, which means that the employer is not liable to the injured party. 

However, if the employer has a policy in place that covers them in the event of an accident, they may be liable in the event of any injuries to another person. Even if you were not the one at fault in the accident, the policy covers them. This is because the policy states that you are considered a third party. and the company is not liable to that third party unless it is clearly shown that you are responsible for the accident. 

What Happens To Personal Property In An Accident? 

Even if your company policy does not cover losses caused by your vehicle, or by someone else's vehicle, you still have certain rights as a third party that is protected under the law in regards to your personal property in an accident. This includes anything you were carrying with you in the car, as well as any personal items that could have been carried in the vehicle. If an individual or business caused damage to your personal property during an accident, and they were the ones driving the company vehicle, you may be able to recover those damages. 

If you have an auto insurance policy, it will pay for these types of accidents in some cases. If you do not have an auto insurance policy, you should check with your state's Department of Insurance website to determine what is covered in your state. Some states will allow you to receive compensation for property damage and medical bills from an accident, regardless of who is at fault. 

If you were injured and had to miss time from work due to your injury, you may also receive damages for pain and suffering. 

If you were at fault in an auto accident, and you did not cause the accident, your insurance company will cover most of the cost of damages to your car. 

Problems with making an injury claim for an accident while driving a company car can begin at the outset. Some employers try to prevent their staff from making a claim or want their legal experts to be the ones to decide whether you should get compensation. 

A truck accident lawyer in Jacksonville can give you professional advice about your company car crash but don’t delay. Important evidence can be lost over time.

Bootstrap Business Blog Newest Posts From Mike Schiemer, Partners, & Blog Outreach Services