Whether you got a company car to perform the functions of your job, or you own the company – and therefore the owner of the cars your employees drive – it may have crossed your mind or second that an accident occurred Your company car could be an odd situation.
While the car can be owned by the company, the driver is an independent person with their own driver’s license. The question arises, what happens if your company car is involved in an accident?
Although every situation is unique and the circumstances of the accident themselves definitely play a role in the outcome of a car accident, you can be prepared for anything that happens in your company car.
If you’re wondering how to deal with an accident in your company vehicle – whether you’re just doing research or it has already happened – here’s what you should know.
Did the accident happen on the job?
The first question – and probably the most important – is whether the accident occurred in the context of employment. This means that it happened during working hours while performing a vital function of work.
While commuting can sometimes be considered part of this in some workplaces, most workplaces do not consider commuting as working time and the worker is therefore responsible for any damage and injury caused in the course of the accident.
Employed or Independent Contractor?
Due to the nature of the “gig” economy, it is often debated whether an employee is considered an actual employee of the company according to technical standards. Independent contractors are a form of outsourced work – often the same as a freelancer – which means they pay their own taxes and do not have access to the services that traditional workers often use, such as: B. health insurance.
This also means that companies often do not cover legal damages for accidents that occur even during the important parts of a working day. Therefore, even if the car is owned by the company, the employee can still be held liable for damage and injury if they are an independent contractor.
Who’s to blame?
This can arguably also be seen as the most important question. Because it could destroy any conversation about liability between employer and employee.
If the accident was caused by another person or a driver on the road, that person is liable, regardless of whether the employee was on duty, was off duty, performed the functions of the work or used the car privately. The same traffic rules apply. So if someone pulls into your company car and is responsible for the accident, they are responsible.
In the case of minor damage such as dents and dents, you can contact the insurance company and make a claim for repairs or take care of the damage yourself. Especially in situations where you are not entirely sure where the damage is coming from. Having a touch-up pen or suction cup on hand to remove dents and small dents can save lives and helps avoid lengthy litigation with insurance.
More serious accidents
In the event of more serious accidents, especially if another person or a vehicle is involved, it is always important to contact the insurance company and to ensure that the workplace and the line manager are informed of the situation. In the event of accidents that have resulted in damage or injury, it is important to take care of everything from the outset.
Dealing with insurance
When it comes to dealing with the insurance company, you have to go one of two ways: If the employee was doing a basic function of the job at the time of the accident, you will likely get all the company’s insurance.
However, if the vehicle was used for personal use, the employee may also need to make a personal insurance claim. In addition, regardless of when the accident occurred, the accident will likely appear in the employee’s driving report.
What to do in the event of a company car accident
Actually, a company car accident is like any normal car accident. As long as no one is injured, you can take care of the problem and be back to work in no time. Whether you are self-employed or deal with insurance at company level, there are ways to take care of an accident in a company car.