Company Car-related Road Accidents Claims
Claiming Against Company Car Driver
- Can I Get Fired for Filing a Claim?
- Don’t Let the Insurance Companies Win
- Claiming Against Company Car Driver
- What if My Employer Doesn’t Have Insurance?
- The Motor Insurer’s Bureau
- How Long Do I Have to Make a Claim?
- What To Do If You Are in An Company Car-related Accident
- Finding the Right Claim Advisor
- Start the Claim’s Process
Company car-related road accidents claims could happen without warning and if you have been injured in a company car-related accident, you are entitled to compensation. Your companies’ insurance will see to it that their vehicle is repaired. However, it might be left to you to consider making a claim for any injury arising out of the incident. Claim Solutions Scotland Ltd can work on your behalf, to get you compensation for your injuries. Every day we help drivers like you navigate the complexities of the car insurance claims process.
Can I Get Fired for Filing a Claim?
People often feel guilty or worried about filing a car insurance claim against their employer. The reasons for this are obvious. Getting in a road traffic accident is traumatic enough but losing your job on top of it can make for a horrible day. Thankfully, your employer cannot fire you for filing a claim and if your accident resulted in you being unable to continue your employment indefinitely then will be factored in to your final amount of compensation. If your employer cares about your interests, then they should want you to have access to the resources you need to properly recover.
Don’t Let the Insurance Companies Win
Remember, your employer has been paying insurance premiums for years to provide themselves with a level of protection against injuries they may be held responsible for. If you neglect to make a claim, then you are forfeiting your compensation and negating the years of payments your employer has made to their insurance policy. Don’t forget, compensation could be critical in helping you get the proper medical care required and if you don’t lodge a claim, you will be financially responsible for all of your medical costs, as well as any property damage you incurred. Once this is understood by all parties, it is easy to see why you should exercise your right to compensation.
Claiming Against Company Car Driver
If you are the passenger in a company car that is involved in accident and you have suffered injuries because of the driver’s negligence then you are entitled to compensation. You will need to prove the accident was the fault of the company’s driver. Company drivers are required to carry commercial insurance. This insurance is specifically designed to incorporate the added risks involved with conducting business on Scotland’s roads.
How Long Will It Take to Receive My Compensation?
Each claim can vary in length dependent upon the circumstances of the accident. In most cases, when the other party admits fault, the process can be completely and settled fairly quick. In this type of scenario you could receive compensation in as little as 3 months. When the other party denies being responsible for the accident the claim will need to be lodged with the Court and it will be up to them to determine who should be liable (or at fault). If they conclude that both parties are responsible, then compensation will be reduced by a factor to reflect that.
An insurance company may seek to prove your injuries are not as bad as you claim or were pre-existing prior to the accident. You claim can take longer if your injuries are contested. This is one of the main reasons it is so important to keep extremely detailed notes, receipts, and documentation with regards to any losses you have incurred as a result of your injury.
What if My Employer Doesn’t Have Insurance?
Scotland’s Highway Code sets out the laws of the road for drivers to follow. It is illegal for a company that operates on the roadways to be without car insurance. Unfortunately, that does not mean that there aren’t still companies out there acting unlawfully. If you are injured in a car accident that was caused by an uninsured driver there is still hope. You can still file a claim through the MIB.
The Motor Insurer’s Bureau
This organisation was created to help deal with the ever-growing problem of uninsured driving accidents. Every day, uninsured accidents occur and recent statistics put the total amount spent yearly on this problem at £400 million. Lodging a claim with the MIB is a slightly different process that can take a bit longer than a traditional claim. Your compensation will not be as high as it would have been with a traditional insurer, however, it is the only way to claim. Without the MIB there would no way to claim for compensation at all. This would leave you responsible for all of your medical bills, rehabilitation costs and property damage. The MIB is therefore a valuable option in this situation.
How Long Do I Have to Make a Claim?
You have three years from the date of your accident to make a claim. Generally, the sooner you make a claim the better. You will have better access to evidence that supports your claim and therefore a greater chance of success.
What To Do If You Are in An Company Car-related Accident
Be sure to take note of the reason for the accident, who was at fault, and any witnesses contact information. Security cameras can often provide rock-solid evidence to support your claim. Be sure to ask local businesses if they had any cameras facing the direction of your accident. Police reports can have valuable information to support your claim as well and requests can be made in writing.
Finding the Right Claim Advisor
Claim Solutions Scotland Ltd can provide you with the expert advice you need to maximise your compensation. Your claim will be reviewed by a specialist who will guide you through the claims process. We understand how sensitive an insurance claim involving your employer can be and that is exactly why we give your claim the personal attention that it requires.
Start the Claim’s Process
Contact us to start your claim today. We will give you an honest and straightforward consultation with regards to your circumstances and how much compensation you may be eligible to receive.
