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How Much Can I Claim If I Am Involved In A Company Car Accident?

By Mark Ainsdale. Last Updated 6th August 2021. Welcome to our company car accident claims guide. Some people believe that if they are injured whilst in a company car, they would not be able to claim compensation. In fact, employees driving company cars are just as eligible to claim compensation as an employee driving their own vehicle for work. It makes no difference that the claimant doesn’t own the car. They could still claim company car compensation.

Our guide will help you through what goes into a company car accident claim.

Select a section:

A guide to accident claims for company car-related road accidents

If you are involved in an accident when driving or being driven in a company car and suffer an injury, you will most likely be entitled to claim company car road accidents compensation. You will undoubtedly have many questions such as how you make a claim, are eligible, how much you might be awarded, and many more. Our personal injury solicitors have put this guide together to help you get some of the answers to your questions and give you an understanding of what goes into making your company car accident claims.

Claiming compensation can be a lengthy and often stressful process depending on the circumstances surrounding it. By reading our guide, you will gain a good insight into what may lay ahead during the claiming process. You are, as well, very welcome to contact us for further advice and information.

What is a company car-related road accident?

Company car accident

Company car accident

If you have use of a company car that you use to carry out your work, travel to and from appointments or that you use to get to work and back home, then your employer should have you down on the company insurance. A company car-related road accident is if you are involved in an accident whilst driving the company car.

If the accident is due to another person’s negligence, and you are injured as a result, then you can claim company car compensation, even though the car does not belong to you. We could help you with this as we have years of experience and a great track record of making successful claims.

But what if the other driver is uninsured or cannot be traced?

When it’s found that the other driver liable for the accident is not insured, or they cannot be traced after the accident, you can still claim compensation, but it needs to go through the Motor Insurer’s Bureau (MIB). Read more on MIB compensation here.

Although you can apply to the MIB for compensation directly without the help of a personal injury solicitor, it is advised to at least get some legal advice so that you are fully aware and understanding of the circumstances of your claim to make it successful. Please give us a call, and we can give you a free consultation to discuss your company car accident claims.

What to do if you are involved in a company car road accident

If you are unfortunately in a company car road accident, there are a few things you should try to get initially that can support your case if you need to make a compensation claim.

  • Medical Report – First and foremost, get any injuries you have sustained due to the accident checked by a doctor to ensure you receive the treatment you need. Apart from the fact that it’s important to do this for your health’s sake, you will also have a medical record documenting your injuries, their severity and future effects and treatment required, which gives proof for your claim.
  • Witnesses – It is a good idea to get contact details from witnesses who can back you up with your claim.
  • Vehicle & Driver Details – Make a note of the other driver’s contact details, insurance details etc. Also, make a note of their vehicle registration details too.
  • Photos – If you can take some photos of the aftermath of your accident, it may help prove who was at fault. Also, take some photos of your injuries, so you have proof of the pain and suffering you experience due to the accident.
  • Proof of Expenses – Keep any receipts or other proof of expenses that you may incur as a direct result of the accident.
  • Write it down – Write everything down that you can remember about the accident, including the minutes leading up to it.

How to begin a company car-related road accident claim

Employees driving company vehicles that need to claim compensation when involved in company car road accidents may find it quite overwhelming to begin the claim. The process can often be complicated and lengthy, adding confusion that they don’t actually own the car they were driving. The employer often takes charge of the insurance claim as you should be covered by company insurance, but claiming this without any legal experience. By using a personal injury claims firm such as ours, it needn’t be.

If you want to make life easier and have some help, call us. We will offer you a free consultation, which gives us some time to get as much information about your case as possible to start building a strong case for claiming compensation. Also though, during the free consultation, you can ask us as many questions as you want regarding making your company car accident claim so that you feel more comfortable with the whole process.

Once we have all the facts we need and are positive that you have a case and are happy to continue, we will start your company car compensation claim. All of our highly experienced personal claims solicitors work on a No Win No Fee basis, and so you only pay legal fees if and when your case is a success.

Sometimes a local medical is necessary, which is at no cost to you. We arrange this for you at a local clinic that is convenient to you. However, we can discuss this in more detail during your free consultation if you have any questions about company car accident claims.

Company car-related road accident at work claims

Under the driving at work regulations 1997, all employees driving company vehicles should undergo a driving at work risk assessment to firstly ensure that they are competent drivers, so they don’t pose any unnecessary risk to themselves or others on the roads, but also to make sure that there are no unnecessary risks involved in the driving task they have been set. Driving continuously without a break is a common reason for work-related road deaths in the UK. So all drivers of company vehicles should also be given a schedule that will show the company car driver’s maximum hours that they are allowed to drive without taking a break by health and safety laws.

If a driver of a company vehicle is in an accident, they can claim compensation. The employer usually handles the insurance claim. Even if the company’s insurance includes legal protection, the employee should seek advice from an independent specialist personal injury solicitor.

What can be claimed for after a company car-related road accident?

When beginning your compensation claim, there are several things that you should consider, such as :

  • General Damages – The compensation you receive reflects the pain and suffering you experience after sustaining the injury in the accident.
  • Care Claim – If you need assistance around the house while you recover, the person who cares for you can file a claim.
  • Medical Expenses – Extra costs due to medical needs, for example, prescription fees, counselling costs etc., should be a factor.
  • Loss of Earnings – If you lose income due to the injuries, then you should note this.
  • Travel Expenses – Any extra travel costs such as travelling to the hospital will be in your company car accident claims.

Risks of work-related driving

The biggest cause of employment-related fatality, according to the Royal Society for the Prevention of Accidents, is road traffic accidents while at work.

Drivers who drive for work are at an above-average risk of having an accident on the roads compared to the general public. In fact, company car drivers are at 49% more risk of having an accident than ordinary drivers in the UK. In 2016, 40,000 people suffered minor injuries, 5,269 people were seriously injured, and 529 people were killed in road traffic accidents involving drivers driving or riding for work-related reasons.

Some of the reasons for the higher likelihood of having an accident among work drivers may be because there are possibilities of work schedule fatigue, exposure to time pressure, the size of the vehicle engine can be a factor, and also characteristics such as aggression when under stress due to traffic jams and volume of traffic can be problematic. Also, because the company car or its insurance doesn’t have cover from the driver financially, there is less care and more risk-taking.

Tiredness because of driver’s work schedules can be a large risk factor for company car drivers. Falling asleep at the wheel is a lot more common among drivers who drive for a living than ordinary drivers.

Work-related drivers tend to be higher risk-takers than the average driver on UK roads. They are more likely to drive at inappropriate speeds. Meanwhile, longer distance drivers are more likely to use mobile phones whilst driving.

The most common types of company car-related road accidents

  • Tiredness – This can be a major factor in road traffic accidents. Although driving at work regulations 1997 say that employees need to take a break after 4.5 hours of continuous driving. In general, it is recommended to take a break when tired. Unfortunately, sometimes drivers ignore the rules/advice, resulting in disaster.
  • Mobile phone use – Although it is now law not to use a mobile phone while driving and if caught results in the driver receiving a hefty fine and points on their license, unfortunately, some drivers choose to ignore this and still use their phone regardless of the risks. Using a mobile phone whilst driving is reckless behaviour and has resulted in many accidents and fatalities on the road.
  • Driver error would include failure to look properly, driving at an unsuitable speed, lack of concentration, and poor judgment. Being in a rush due to deadlines at work increases the likelihood of a company car driver making driver errors, resulting in an accident.
  • Alcohol and drug abuse.
  • Inexperience – New drivers are more at risk of accident as they’re more likely to make driver errors.

Any of these could cause the incident resulting in your company car accident claims.

How much compensation will I get after a company car-related road accident?

The first question we often hear is ‘how much compensation will I receive?’. But each case is different, and so the amount will reflect these differences. All we can do is give an estimate of what you might be able to claim.

In the table below are average compensation payout amounts for particular injuries. Please feel free to ring us with any questions you may have regarding your injury compensation amount.

Reason for CompensationAverage Compensation AmountComments
Loss of earnings£10,000 - £400,000This refers to any income lost or any future potential income lost.
Loss of benefits£5,000 - £500,000The amount will depend on the claimants payscale and the income that is actually lost.
Minor back injury£350 - £9,850Temporary damage to the back such as bruising or sprains.
Moderate back injury£8,750 - £30,750Possible loss of function and ongoing pain and suffering.
Severe back injury£29,750 - £123,300Some loss of function and even possibly some paralysis.
Minor neck injury£1,800 - £6,200Temporary damage to the neck such as bruising and sprains.
Moderate neck injury£29,600 - £42,300Some loss of function and continued pain.
Severe neck injury£35,500 - £112,450Severe and long term reduced movement and even possible paralysis.
Minor head injury£1,500 - £9,500Head injury with expected full recovery.
Moderate head injury£12,500 - £200,000Some brain damage affecting mental ability and personality traits.
Severe head injury£214,350 - £307,000Severe brain damage causing poor quality of life, loss of communication and awareness of surroundings, low life expectancy.
Minor shoulder injury£350 - £6,700Short term damage to one or both shoulders with expected full recovery.
Moderate shoulder injury£6,250 - £9,750Reduced function of one or both shoulders that has a long recovery period.
Severe shoulder injury£9,500 - £37,000Permanent loss of movement in one or both shoulders causing tingling in the arms.
Minor leg injury£1,800 - £17,900One or both legs with breaks or fractures but full recovery expected.
Moderate leg injury£21,750 - £104,100Loss of movement in one or both legs that appear to be permanent.
Severe leg injury£75,100 - £215,000One or both legs needing to be amputated resulting in life long disability.

No Win No Fee company car road accident claims

All our personal claims solicitors work on a No Win No Fee basis. What this means is that you don’t pay any legal costs until after your claim wins. If your claim isn’t successful, you still don’t pay us anything. And so, you’re not taking any financial risks by claiming us.

Claiming company car compensation can be a long and often complex process. And if you work with a solicitor that you pay by the hour, legal fees could become quite high. Additionally, there is no guarantee that you will receive compensation, potentially leaving you out of pocket. But with No Win No Fee, you haven’t anything to lose as there’s no financial gamble with us. With the extra incentive that our payment relies on a successful claim, we work even harder for your case.

Why choose us as your claims service for a company car road accident claim?

We are a reliable and honest company with years of experience within the industry of personal injury claims. Additionally, we have a great work ethic and handle your case as efficiently and smoothly as possible. That way, you don’t suffer from any undue stress through the process, allowing you to concentrate on your recovery. We work on a No Win No Fee basis, so there are no financial worries when making your compensation claim. Our clients and our reputation are important to us. So, we do everything we can to ensure we get the compensation you deserve for your company car accident claims.

Call for free advice and to start a claim.

If you’re in an accident with a company car and want to make a claim, call 0800 073 8804. A member of our team will answer your call and help you in any way that they can. We will endeavour to answer any questions you have as best and accurately as we possibly can. And we talk you through the claim process, so you know the procedures for making a company car accident claim.

We hope that you will feel like a weight lifts with minimal concerns about claiming by calling us.

Useful links

Check company car details

This is the government site where you can check or update your company car tax. A car must have tax to drive on the highways legally.

Report company car changes

Here company car drivers can make changes to their car and fuel benefits due to their tax code.

NHS advice on whiplash

Whiplash is a common car accident injury. This link takes you to the NHS site that gives information on the whiplash injury, such as symptoms and treatments.

Our guide to car accident claims

This link will take you to another of our information guides about making car accident claims.

Our guide to whiplash claims

This link will take you to another of our information guides about whiplash injuries and claiming compensation.

Company Car Accident Claims FAQs

Is an employer liable for an employee’s car accident?

Yes, the employer would cover the damages in an employee car accident.

What happens if you have an accident in a company car?

In this case, the insurance provider pays off any claims about the incident.

Do I need to declare an accident in a company car?

Yes, it is vital to declare such an accident.

Does having an accident in a company vehicle affect personal car insurance?

Yes, because even if you’re using a different car, the driver is the same in the insurer’s eyes.

Does an employee have to pay for damages?

This could happen, though the employer must confirm the worker’s responsibility in causing it.

Can a company pay for an employee’s car insurance?

Yes, this is something that generally happens.

Who pays the insurance on a company car?

Similarly, it is usually the organisation that pays for the insurance policy.

Is a company car part of your salary?

This doesn’t come under your salary, though you pay tax for it as it comes under bonuses.

Thank you for reading our company car accident claims guide.

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