Crashes are always stressful situations but can lead to even more headaches deneme bonusu when you or employees use a company car. Typically, the employer’s company vehicle insurance will pay for damages and injuries, but some circumstances might not be covered.
When you’re involved in an accident, the first thing you should do is check if everyone’s alright. After assuring no one’s injured, you should get the involved parties’ and witnesses’ personal information. You’ll need to find an article online to help you fill out some forms to claim insurance. Let’s explore what to do a little further.
Are You Covered?
Usually, when a car accident happens on the scope of work, the policy covers all costs. If you or an employee were involved in a crash while on private business, even if you were going home or to work, odds are your insurer won’t be liable to pay.
If the accident causes any uncovered damages, the party at fault will be liable to pay. If an employee was using the vehicle outside of the scope of work, they must pay. Otherwise, the liability falls on the employer.
This makes it essential to ask for the people involved and witnesses’ details if you need to prove you weren’t at fault. A company might fire an employee for violating policy even if the insurance pays for the damages. It’s always best to contact an expert lawyer if you need legal counsel after a corporate vehicle crash.
How to Reduce the Chances of Company Vehicle Accidents
A simple way to enforce better driving practices in your company is to order employee driving records. It might also help you keep your insurance price lower. As a fact, employers spend $60 billion every year as a result of motor vehicle crashes.
If driving is a big part of your business, offering a safer driving course might be an excellent option to assure your employees are safe on the road. Other options include using telematics to manage your fleet, disciplinary actions, and incentive programs.
The Bottom Line
Insurance will usually cover all damages caused by crashes on the work scope. Still, employers and employees need to be aware of their responsibility when driving corporate cars.
Following the Occupational Safety & Health Administration’s guidelines can significantly help you reduce your fleet’s vehicle crashes. You can cut down on your expenditure and keep your employees safer.
