What to Do If You’re Rear-Ended by a Company Vehicle?

Question from J, What to Do If You’re Rear-Ended by a Company Vehicle?

Answer from AI:

Being involved in a car accident can be a stressful experience, especially if it involves a company vehicle and results in injuries that prevent you from working. Understanding your rights and the steps to take following such an incident is crucial to ensure you’re properly compensated for your losses, including lost wages. Here’s a general guide on how to navigate this situation.

Immediate Steps to Take

1. Seek Medical Attention: Your health is the top priority. Even if you don’t feel injured immediately, symptoms can appear later. A medical record starting from the day of the accident is crucial for any claim.
2. Report the Accident: Call the police to the scene so they can file a report. This document is vital when dealing with insurance companies and potential legal actions.
3. Gather Information: Collect the contact and insurance information of the company vehicle driver, as well as the contact information of any witnesses. Take photos of the scene, the vehicles involved, and any visible injuries.
4. Notify Your Employer: If you’re unable to work due to the accident, inform your employer about your situation as soon as possible.

Understanding Your Rights

When you’re hit by a company vehicle, the situation can be more complex than a standard car accident because you’re dealing with a business’s commercial insurance policy. Here are some key points to understand:

• Liability: If the company vehicle’s driver is at fault, the company’s insurance is typically responsible for covering your damages, including medical bills, repair costs for your vehicle, and lost wages.
• Lost Wages: You’re entitled to compensation for any wages lost due to the accident. This includes the time you were unable to work because of your injuries.
• Legal Representation: Considering the complexities involved in accidents with company vehicles, consulting with a personal injury attorney experienced in such cases can be beneficial. They can help navigate the claims process and ensure you receive fair compensation.

Claiming Compensation for Lost Wages

To claim compensation for lost wages, you’ll need to prove the income you lost due to the accident. This typically involves:

• Providing documentation from your employer detailing your normal wages and the time missed from work.
• Medical documentation linking your inability to work directly to the injuries sustained in the accident.

When to Seek Legal Advice

While minor accidents can often be resolved through insurance claims without the need for legal action, accidents involving company vehicles that result in significant injury and lost wages may require the expertise of a legal professional. Consider consulting a personal injury lawyer if:

• The insurance company disputes your claim or offers a settlement that doesn’t cover your losses.
• You’re facing significant medical expenses and a long period of lost wages.
• You’re unsure how to calculate your lost wages or negotiate with the insurance company.

It’s important to act promptly, as there are time limits (statutes of limitations) for filing personal injury claims, which vary by state. A lawyer can help ensure that all necessary steps are taken within these deadlines.

For more information on your rights and the next steps to take, the National Highway Traffic Safety Administration provides resources on dealing with motor vehicle accidents, and the American Bar Association offers guidance on finding legal help.

Remember, each situation is unique, and this guide is not a substitute for professional legal advice. Consulting with a legal professional can provide you with advice tailored to your specific circumstances.