Life can be lost, injuries sustained and vehicles and other property damaged in the event of an accident. 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. 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. The drivers, passengers and other people who get injured after an accident are included as third parties in the insurance policy. The insurance policy will cover medical expenses for the injured which can be very important to the business since they do not have to pay the expenses themselves.
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. To make things worse, the process of evaluating and compensating can be made more complicated when the accident involves an employee. Insurance companies conduct thorough investigations and could deny compensation if they determine that the accident was caused by negligence of the employee. It is often assumed that the employer will cover the employee’s expenses when they get injured.
The employer could be found not to be liable to compensate the worker if some factors led to occurrence of an accident. 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. The employer may not be expected to compensate when the accident happened while the employee was not doing tasks related to their jobs. Some of the situations that can make the employer not liable include accidents while the employee is traveling to or from work.
The employer should not let the employee take the blame for accidents since they might use this against them in a court of law. First the employee needs to check whether other people involved in the accident are alright and assist them where possible. 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. 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. Pictures of the scene of accident should also be taken to provide the employer with evidence while claiming compensation from the insurance company.