How to Go About Accidents Involving Employees and Business Vehicles.
It is not the wish of anyone to be involved in accidents as they result to many unwanted results such as injury, loss of life and damage to property. Car accidents are quite frequent and it is important for drivers to be careful on the roads to avoid the unpleasant consequences. Due to the frequent accidents, the employers are given requirements to have vehicles and employees as well as third parties insured from accidents and injuries. By third parties, the policy includes pedestrians, drivers and anyone else that can get injured in case of an accident. When the accidents happen and people get injured, the insurance companies usually pay for expenses and inconvenience faced by the injured.
Damaged vehicles are also covered by the policy and all repairs or replacements will be catered for by the insurance companies. The process of getting compensation after accidents is quite complex and can go on for long before its over. When the employee is involved in an accident the process becomes more complicated than previously. Insurance companies conduct thorough investigations and could deny compensation if they determine that the accident was caused by negligence of the employee. In most cases the employer is responsible for catering for all expenses incurred by the employee involved in accidents in their vehicles.
However the employers do not have to cater for expenses especially if the employee was not careful or in various situations. As much as employees demand for compensation it is great for the employer to know things that can determine whether they need to compensate them or not. If the accident occurs while the employee was doing assignments for the employer they deserve to be compensated. On the other hand the employers do not have to cater for expenses due to accidents that happen while the employee is not performing duties related to the employer. For accidents that happen as one is driving to work or from work, an employer is not held responsible for that person.
Once the employee is involved in an accident they should not take blame for that accident because this can be used against the employer later in court. The people involved in an accident should check on others to ensure they are not hurt and if so, give first aid and contact medical service providers and authorities. The employee and third party victims are not supposed to move away from the scene until the police arrive and take reports. It is also important for the employee to collect as much evidence from the scene as possible and get some witnesses to give their reports. Photos and statements are important since employers use them to seek compensation from the insurance companies.