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. Some accidents can be avoided through drivers and other road users being careful while driving and using the roads. The law puts measures in place that expect all businesses and employers to obtain insurance covers for their vehicles and employees against accidents and injury. 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.
If the vehicle is damaged or completely destroyed, it can be repaired or be replaced by the insurance service provider. Accidents involve long and complicated processes to evaluate and complete so as to determine whether compensation will be given and the amount to be awarded. This becomes even more difficult when the accidents happens while the vehicle is being driven by an employee of the business. Before any compensation is made, the insurance service provider conducts evaluation to assess the cause of an accident in order to know whether to compensate. It is often assumed that the employer will cover the employee’s expenses when they get injured.
However the employers do not have to cater for expenses especially if the employee was not careful or in various situations. Drivers must be careful while on the road and there are cases where the employers can be allowed to deny compensation so as to ensure that everyone is careful. If the employee gets in an accident while performing duties related to their jobs the employer is usually responsible for that accident. If the employee gets in an accident while doing personal activities not related to work the employer can deny them compensation. If the employee is injured while traveling home or to work they can risk getting denied compensation by their employers.
The employer should not let the employee take the blame for accidents since they might use this against them in a court of law. 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. After contacting the authorities the person should stay at the scene of accident and collect evidence and statements from witnesses present. Pictures of the scene of accident should also be taken to provide the employer with evidence while claiming compensation from the insurance company.