When accidents happen property gets damaged and individuals get injured and sometimes they lose lives. Car accidents are quite frequent and it is important for drivers to be careful on the roads to avoid the unpleasant consequences. Due to the frequent accidents, the employers are given requirements to have vehicles and employees as well as third parties insured from accidents and injuries. By third parties, the policy includes pedestrians, drivers and anyone else that can get injured in case of an accident. A business benefits from the insurance policy through the insurance company being responsible for paying medical bills and compensation for inconvenience caused to those involved.
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. Before any compensation is made, the insurance service provider conducts evaluation to assess the cause of an accident in order to know whether to compensate. People usually hold the employer responsible for all expenses after their employees get involved in an accident while using their vehicles.
However the employers do not have to cater for expenses especially if the employee was not careful or in various situations. 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. On the other hand the employers do not have to cater for expenses due to accidents that happen while the employee is not performing duties related to the employer. If the employee is injured while traveling home or to work they can risk getting denied compensation by their employers.
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 employee and third party victims are not supposed to move away from the scene until the police arrive and take reports. 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.
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