In the case of a work-related accident, the type of auto insurance policy you have could affect the way you file your claim. If your travel consists of driving your own car to the airport, you most likely have a personal policy, but if your job relies on using company transportation, you're probably looking at a commercial policy.
Some businesses are required to register vehicles as commercial with the Department of Motor Vehicles and some businesses choose to register private passenger vehicles as commercial. If you're driving a company car, make sure you know how that vehicle is registered.
If you get into an accident while traveling for business, you will follow the same steps as you would if you were in an accident outside of work, but your employer will most likely file the claim. Check with your boss or HR department to find out the exact procedure for filing a claim.
After obtaining a police report, you can submit it to your employer and they can file the claim with the insurance company. The insurance company will then respond to the policy holder to decipher damages and injuries.
If you are injured, you may pursue a workers compensation claim and at the same time pursue a claim against the third party who was at fault for the motor vehicle collision.
Rental cars are a common area of concern with business travel. Pay attention to how you are listed on the rental agreement. This will be especially important if you get into an accident and you or your employer are responsible for any damages. If you are renting a car personally while on vacation, take at look at my previous post on Rental Car Insurance for some extra insight. Ask the employer if they want to use their insurance for the rental car or want you to take out the optional coverage with the rental car company
Please contact our
Tindall Law Firm, LLC if you have questions or concerns about someone that has suffered from an accident while traveling for work, 203-755-0018.
