There are around 6 million car accidents every year in the US, and about 3 million people are injured every year in car accidents.
While getting in a car accident can be a difficult experience no matter what the situation is, things can become especially complicated if you get in an accident while driving your company's car.
If you crash the company car, there are certain things that you need to know. Check out this guide to learn more.
Figuring out Who's at Fault
When you get in an accident driving your company vehicle, the first thing you need to do is figure out who's at fault.
Since this isn't your personal vehicle, things can get a little more complicated. For example, if someone rear-ends you at a red light, it's pretty obvious that the other driver is to blame.
If you're the one doing the rear-ending, then the accident is your fault. However, if the accident is caused by a mechanical issue, then it's likely that your company will be held responsible.
This auto accident lawyer can help you figure out what to do if you're the one at fault.
Figuring out Who Pays
After this type of car crash, another big issue to figure out is who is going to pay for the damage.
If the other driver is at fault, then there's really nothing to worry about, as their insurance will cover the damage. However, when your employer owns the car you're driving, then that means the car is covered by the company's insurance.
But, it's important to keep in mind that there are limits to your employer's liability. If you crashed the car while performing a company duty, then you'll likely be covered under their insurance.
For example, if you get in an accident on the way to a sales call, then your company should assume liability for the crash. But, if you get in an accident on the way to your kid's basketball game, then you may be the one who is held liable for damages.
If you're injured in a car accident using a company car on company time, and you're not at fault for the accident, then you may also need to consider filing for worker's compensation.
If the other driver doesn't have adequate insurance and is unable to pay, then you may be able to gain a lot more going through the worker's comp system. Your attorney can help you figure out which route is best for you.
Car Accident in Company Car: Time to Act
Now that you know a bit more about what happens if you get in a car accident in a company car, it's time to start sorting things out.
Typically, it's best to hire a lawyer who can help you navigate the legal system and make sure you're justly compensated for the accident.
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