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. Most companies get an insurance to cover their vehicles and third parties from accidents so as to be on the right side of the law. 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. 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. It is important for employers to be aware of some factors that could determine whether they are liable to compensate the employers 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. For accidents that happen as one is driving to work or from work, an employer is not held responsible for that person.
Once the employee is involved in an accident they should not take blame for that accident because this can be used against the employer later in court. 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. After contacting the authorities the person should stay at the scene of accident and collect evidence and statements from witnesses present. Evidence collected can help employers claim compensation from the insurance companies.