How to Go About Accidents Involving Employees and Business Vehicles.
When accidents happen property gets damaged and individuals get injured and sometimes they lose lives. Although accidents are unpredictable and unavoidable in most cases, it is still possible to avoid or reduce their occurence if all road users are careful enough. Most companies get an insurance to cover their vehicles and third parties from accidents so as to be on the right side of the law. Third parties can be the drivers or pedestrians and other people that are affected by the occurrence of the 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.
The employer could be found not to be liable to compensate the worker if some factors led to occurrence of an accident. 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. If the employee gets in an accident while doing personal activities not related to work the employer can deny them compensation. 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 first thing to do after accident is to confirm that everyone is alright and if they need help ambulances should be contacted and first aid given. The scene of an accident needs to be conserved for authorities to take reports and it is better to stay there until the reports are taken. 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.