How Much Can I Claim If I Am Involved In A Company Car Accident?
Some people believe that if they are injured whilst in a company car, that 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’s involved in a company car accident claim.
Select a section:
- A guide to accident claims for company car related road accidents.
- What is a company car related road accident?
- What if the other driver is uninsured or cannot be traced?
- What to do if you are involved in a company car road accident.
- How to begin a company car related road accident claim.
- Company car related road accident at work claims.
- What can be claimed for after a company car related road accident?
- Risks of work related driving.
- The most common types of company car related road accidents.
- How much compensation will I get after a company car related road accident?
- No Win No Fee company car road accident claims.
- Why choose us as your claims service for a company car road accident claim?
- Call for free advice and to start a claim.
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 lots of questions such as how do you go about making a claim, are you eligible, how much might you be awarded and many more. This guide has been out together by our personal injury solicitors to help you get some of the answers to your questions and give you an understanding of what may be involved when making your claim.
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 as to what may lay ahead during the claiming process. You are, as well, very welcome to contact us for further advice and information, our experienced and highly qualified team will do their best to help.
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 the negligence of another person, and you are injured as a result, then you can claim company car compensation, regardless of the fact that the car does not belong to you. This is something we could help you with as we have years of experience and a great track record of making successful claims.
When it’s found that the other driver that is 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 in order to make it successful. Please give us a call and we can give you a free consultation where we can discuss your company car accident claims.
If you are unfortunately involved 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 make sure 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 then 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 any witnesses that 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 are able to take some photos of the aftermath of your accident it may help in proving who was at fault. Also take some photos of your injuries so you have proof of the pain and suffering you have experienced due to the accident.
- Proof of Expenses – Keep any receipts or other proof of expenses that you may have incurred 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.
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 as the process can often be complicated and lengthy with the added confusion that they don’t actually own the car they were driving. Often the employer will take charge of the insurance claim as you should be covered by company insurance but making a claim like this without any legal experience could be stressful. 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, just call us. We will offer you a free consultation which gives us some time to get as much information about your case from you as we possibly can in order 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 you are happy to continue, we will make a start on 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 needs to be arranged which is at no cost to you. We arrange this for you at a local clinic that is convenient to you. We can discuss this however in more detail during your free consultation if you have any questions.
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 is 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 and 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 in accordance with health and safety laws.
If a driver of a company vehicle is involved in an accident and injured as a result, they can claim compensation. The insurance claim is usually dealt with by the employer. Even if the company’s insurance includes legal protection, it is recommended that the injured employee should seek advice form an independent specialist personal injury solicitor.
When beginning your compensation claim, there are a number of things that should be taken into consideration and included, such as :
- General Damages – The amount of compensation you will receive, reflects the pain and suffering you are experiencing following on from sustaining the injury in the accident.
- Care Claim – If you have had to have assistance around the house while you recover, the person who has cared for you can file a claim.
- Medical Expenses – Extra costs due to medical needs for example, prescription fees, counselling costs etc should be included.
- Loss of Earnings – If you have lost income due to the injuries sustained in the accident and are possibly going to continue losing income for a time, then this should be noted.
- Travel Expenses – Any extra travel costs such as travelling to hospital, extra travel arrangements, vehicle adaptions etc. that you have incurred due to the injuries sustained in the accident, will be covered.
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 that of the general public. In fact, in the UK, company car drivers are at 49% more risk of having an accident than an ordinary driver. In 2016, 40,000 people suffered minor injuries, 5,269 people were seriously injured and 529 people were killed in road traffic accidents that involved drivers who were driving or riding for work related reasons.
Some of the reasons for the increased likelihood of having an accident among work related 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 time related stress made worse by traffic jams and volume of traffic can be problematic. Also, because the company car or its insurance is not covered by the driver financially, there can be a reduced lack of care and more risk taking.
Tiredness because of driver’s work schedules has been shown to 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.
It has been found that 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 and longer distance drivers are more likely to use mobile phones whilst driving.
- 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 and in general it is recommended to take a break when tired, unfortunately sometimes drivers ignore the rules / advice which can result 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. Use of a mobile phone whilst driving is reckless behaviour and has resulted in many accidents and fatalities on the road.
- Driver error – This would include failure to look properly, driving at an unsuitable speed, lack of concentration, poor judgement. Being in a rush due to deadlines at work, increases the likelihood of a company car driver making driver errors that could result in an accident.
- Alcohol and drug abuse.
- Inexperience – Newly qualified drivers are more at risk of being involved in an accident as they are more likely to make driver errors as mentioned above.
The first question we are often asked is ‘how much compensation will I receive?’. As much as we’d like to give a correct, exact figure, we can’t as each case is different and so the amount awarded will reflect these differences. All we can do at this stage is give an estimate of what you might possible be able to claim.
In the table below are average compensation payout amounts for particular injuries that we have listed to help you get an idea of what potentially could be awarded for your injury. Please feel free to ring us with any questions you may have regarding your injury compensation amount.
|Reason for Compensation||Average Compensation Amount||Comments|
|Loss of earnings||£10,000 - £400,000||This refers to any income lost or any future potential income lost.|
|Loss of benefits||£5,000 - £500,000||The amount will depend on the claimants payscale and the income that is actually lost.|
|Minor back injury||£350 - £9,850||Temporary damage to the back such as bruising or sprains.|
|Moderate back injury||£8,750 - £30,750||Possible loss of function and ongoing pain and suffering.|
|Severe back injury||£29,750 - £123,300||Some loss of function and even possibly some paralysis.|
|Minor neck injury||£1,800 - £6,200||Temporary damage to the neck such as bruising and sprains.|
|Moderate neck injury||£29,600 - £42,300||Some loss of function and continued pain.|
|Severe neck injury||£35,500 - £112,450||Severe and long term reduced movement and even possible paralysis.|
|Minor head injury||£1,500 - £9,500||Head injury with expected full recovery.|
|Moderate head injury||£12,500 - £200,000||Some brain damage affecting mental ability and personality traits.|
|Severe head injury||£214,350 - £307,000||Severe brain damage causing poor quality of life, loss of communication and awareness of surroundings, low life expectancy.|
|Minor shoulder injury||£350 - £6,700||Short term damage to one or both shoulders with expected full recovery.|
|Moderate shoulder injury||£6,250 - £9,750||Reduced function of one or both shoulders that has a long recovery period.|
|Severe shoulder injury||£9,500 - £37,000||Permanent loss of movement in one or both shoulders causing tingling in the arms.|
|Minor leg injury||£1,800 - £17,900||One or both legs with breaks or fractures but full recovery expected.|
|Moderate leg injury||£21,750 - £104,100||Loss of movement in one or both legs that appear to be permanent.|
|Severe leg injury||£75,100 - £215,000||One or both legs needing to be amputated resulting in life long disability.|
As mentioned earlier in the guide, all our highly experienced personal claims solicitors work on a No Win No Fee basis. What this means is that you will not be required to pay for any legal costs until after your claim has been successful. If your claim isn’t successful, you still wouldn’t be required to pay us anything. And so you are not taking any financial risks by making a claim through us.
Claiming Company car compensation can be a long, and often complicated process, and, if you were to choose to work with a solicitor who is paid by the hour, you may find that the cost of legal fees could become quite high before you’ve even barely begun your claim but also, there is no guarantee that compensation will get paid in the end leaving you out of pocket. But with our No Win No Fee, you honestly haven’t anything to lose as there is no financial gamble with us. With the added incentive that our payment relies on a successful claim, we will work all the harder to secure a compensation payment that is as close to the maximum as possible.
We are a reliable and honest company that has years of experience within the industry of personal injury claims. We work hard and do all that we can to make sure our clients are awarded the maximum compensation payout amounts possible.
We have a great work ethic and make sure that we work on your case as efficiently and smoothly as possible so that you don’t suffer with any undue stress through the process, allowing you to concentrate on your recovery.
One of the things our previous clients like is that we work on a No Win No Fee basis as explained earlier so there are no financial worries when making your compensation claim with us..
Our clients and our reputation are important to us and so we do everything that we can to ensure that we get the justice and compensation award that you deserve.
If you have been involved in an accident whilst in a company car and injured as a result and you want to make a compensation claim, just call us on 0800 073 8804. A member of our professionally trained team will be there to answer your call and will help you in any way that they can regarding launching your claim. We will endeavour to answer any questions you have as best and accurately as we possibly can and we can also talk you through the claiming process if you need us to so that you are aware of the procedures surrounding making a company car accident claim.
We hope that by calling us, you will immediately feel like a weight has been lifted and any concerns regarding making a claim are not a concern anymore.
This is the government site where you can check or update your company car tax. A car must be taxed to legally be allowed to drive on the highways.
Here company car drivers can make changes to their car and fuel benefits that may be affected by their tax code.
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.
This link will take you to another of our information guides about making car accident claims.
This link will take you to another of our information guides about whiplash injuries and claiming compensation.