How Much Can I Claim If I Am Involved In A Company Car Accident?
Updated by Max Mitrovic on 31st March 2022. 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.
This is because, when seeking compensation for an employee car accident, it doesn’t matter what vehicle you’re driving. The important thing about claiming compensation for incidents like this is proving that your injury was caused by third-party negligence.
Our guide will help you through what goes into a company car accident claim. It will answer questions, such as “if I’ve suffered an accident in a work vehicle, who pays?” and “if I’m involved in a company car accident, will my employer be charging employees for vehicle damage?”
To learn more, you can call our team of advisors using 0800 073 8804. Alternatively, if you prefer, you can contact us through our website or send us your query using the Live chat window now on your screen.
Please continue reading to learn more about claiming for an employee car accident.
Select a section:
- A guide to accident claims for company car-related road accidents.
- What is a company car-related road accident?
- But 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 many questions such as how you make a claim, when are you eligible, how much you might be awarded, and many more. We 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. Please read on to learn more about claiming for an accident while driving for work.
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.
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.
If you’ve been involved in an employee car accident, you may also require medical assistance. A doctor or medical professional should fully assess your injuries so that they can recommend the best form of treatment. We will go into more detail about this below.
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. Depending on the expenses, this could greatly increase the amount of compensation you could receive from an accident while driving for work.
- 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. The employer often takes charge of the insurance claim as you should be covered by company insurance, but claiming this without any legal experience can be complicated. By using a personal injury claims firm such as ours, it needn’t be.
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, 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.
This section also answers questions, such as “If you’ve suffered an accident in a work vehicle, who pays?” Due to using a company car, your company should have you insured for car accidents that were caused by another road user’s negligence. Therefore, your company’s insurer would contact the negligent third-party’s insurer to make the claim on your behalf.
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.
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. You can claim this as part of your special damages.
- Travel Expenses – Any extra travel costs such as travelling to the hospital will be in your company car accident claims.
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. Furthermore, 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. If this is the reason for the employee car accident, you wouldn’t be able to claim. Additionally, in these instances, your employer may be charging employees for vehicle damage, as you would be considered at fault for the accident.
- Tiredness – This can be a major factor in road traffic accidents. 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.
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 you an idea of what you could receive for an employee car accident.
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.
|Injury Type||Severity||Compensation Amount||Description|
|Back||Severe (i)||£85,470 to £151,070||Damage to the spinal cord and nerve roots, causing very serious health consequences not usually associated with back injuries. This can include a significantly impaired bowel and bladder as well as incomplete paralysis.|
|Back||Moderate (i)||£26,050 to £36,390||Examples of injuries include a crush/compression fracture of the lumbar vertebrae where there is a substantial risk of osteoarthritis developing, leading to constant discomfort and pain.|
|Pelvis and Hip injuries||Lesser Injuries (ii)||Up to £3,710||Minor soft tissue injuries that lead to a complete recovery.|
|Arm||Less Severe||£18,020 to £36,770||Significant disabilities will be caused. However, recovery of a substantial degree will either be expected or will have taken place.|
|Leg||Very Serious||£51,460 to £85,600||Permanent mobility problems are created with the need for mobility aids or crutches required for the remaining portion of the injured person's life.|
|Knee||Moderate (i)||£13,920 to £24,580||Dislocation, torn meniscus or cartilage causing minor instability, weakness, wasting or other mild future disabilities.|
|Ankle||Moderate||£12,900 to £24,950||Ligamentous tears, fractures and other instances that lead to disabilities such as difficulty standing or walking for longer periods of time or struggling walking on ground that is uneven.|
|Foot||Very Severe||£78,800 to £102,890||Injuries in this bracket would lead to severe and permanent pain or a very serious, permanent disability.|
|Brain||Moderate (ii)||£85,150 to £140,870||Moderate to modest deficit of an intellectual nature is caused, as well as the ability to work being greatly reduced with some risk of epilepsy being developed.|
|General Psychiatric Damage||Moderately Severe||£17,900 to £51,460||Significant problems will be caused to their ability to cope with work, life and education and their ability to communicate with family, friends and anyone they come into contact with.|
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.
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.
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 can also put you through to specialised employee car accident solicitors who could help you receive compensation.
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.
Here company car drivers can make changes to their car and fuel benefits due to 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.
Other Useful Compensation Guides
- Bus Accident Claims
- How much compensation for a fractured or broken bone claim?
- Cycling Accident Claims
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. To learn more about claiming for an employee car accident, contact us at a time that works for you. We can give you free legal advice and even assess your injuries to see if you can claim.