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What Happens When You Get in an Accident in a Company Vehicle?


Involved in a company vehicle accident in St. Louis? Learn your rights and next steps. Contact The Hoffmann Law Firm for a free evaluation and experienced guidance.

car accident involving a company car

Getting into a car accident is stressful, but the situation can become even more complex if you’re driving a company vehicle. Whether you’re making a delivery, traveling to a meeting, or performing any work-related task, it’s crucial to understand the implications of an accident in a company vehicle and the steps you should take following the incident. 

Understanding Liability and Insurance

When you’re involved in an accident while driving a company vehicle, one of the first questions that arises is about liability. Generally, employers are responsible for the actions of their employees while they are working. This principle, known as “respondeat superior,” means that your employer’s commercial auto insurance might cover the damages resulting from the accident. However, the specifics can vary widely depending on the circumstances of the accident, your employment status, and the insurance policies in place.

Steps to Take Immediately After the Accident

If you find yourself in an accident in a company vehicle, the steps you should take mirror those you’d follow in any car accident, with a few additions:

  1. Ensure Safety: Check for injuries and ensure everyone’s safety. Call 911 if there are any injuries.
  2. Report the Accident: Inform the police about the accident so there’s an official report.
  3. Document Everything: Take photos, gather witness information, and note down the details of the accident.
  4. Notify Your Employer: As soon as possible, inform your employer about the accident, providing them with all the relevant details.
  5. Contact a St. Louis Car Accident Lawyer: Before making any statements or decisions, it’s wise to consult with a legal professional who can guide you through the complexities of your case.

Communicating with Insurance Companies

Dealing with insurance adjusters can be tricky, especially when a company vehicle is involved. Your employer’s insurance company may handle most of the communication, but it’s essential to remember that insurance adjusters’ primary goal is to minimize the company’s payout. Therefore, speaking with a St. Louis car accident lawyer is advisable before discussing the accident with any insurance adjusters. A knowledgeable lawyer can help protect your rights and ensure you’re fairly represented in these discussions.

Common Questions After a Company Vehicle Accident

What if I’m at fault?

Liability in accidents involving company vehicles can be complex. If you’re found to be at fault, the extent of your liability may depend on whether you were performing job-related duties at the time of the accident and if any negligence on your part contributed to the incident.

Will this affect my personal insurance?

Typically, accidents in company vehicles are covered under the employer’s commercial auto insurance policy. However, there might be circumstances where your personal insurance could be affected, especially if you were using the vehicle for personal reasons at the time of the accident.

Can I receive compensation for injuries?

If you’re injured in an accident while driving a company vehicle, you may be entitled to workers’ compensation benefits. Additionally, other avenues for compensation might be available depending on the accident’s specifics and the involved parties.

St. Louis Vehicle Accident Lawyer

Accidents in company vehicles can introduce additional layers of complexity to an already challenging situation. Understanding the basics of liability, insurance, and the steps to take following the accident can provide a foundation for navigating these incidents. However, given the unique nature of each case, consulting with a legal professional can offer tailored guidance and support.

If you’ve been involved in a car accident in a company vehicle, The Hoffmann Law Firm is here to help. We encourage you to reach out for a free case evaluation to discuss your situation and explore your options. Our team is committed to providing the guidance and support you need during this challenging time.

Free Consultation with a St. Louis Car Accident Lawyer

Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!

Updated: April 7, 2024