What to Do if You Get in a Car Accident on the Job
Uh-oh! You have just gotten in a wreck while you were on the clock. Now you must face an upset driver, a disgruntled employer, and—worst-case scenario—disruptive lawsuits. This does not necessarily have to happen though. You may not be able to control how the other driver reacts, but following these guidelines will help minimize the trouble you will find yourself in.
Call the Police
The first step is simple—you need to call the police as soon as possible. Even if you are on the clock, it looks less suspicious to the other driver if you take initiative and both call the police. If you tell the other driver you will call the police later and leave, you might find yourself in pressing legal trouble.
This is especially true if you are using the company car (with logos printed on the windows). Since you are representing the company, handling the situation with class and dignity will impress others and keep your company safe.
Get Medical Attention Immediately
You may be tempted to drive to the office right after the car crash. But if the crash was bad, make the smarter decision: Drive to the nearest hospital and have them check you for major (or minor) injuries. Sometimes personal injury claims can be denied if you don't get medical attention immediately following the accident.
The main reason you should figure out your medical situation first is quite simple: employers do not want your injuries to progress to lethal endangerment. Most sensible managers understand the unique circumstances that come with car accidents, and will excuse you from work if the injuries were bad enough.
Contact Your Employer and Insurance
Because you are using company time, it is important that you also contact your employer and notify them of your situation. While you may be nervous to do so (especially if it is a company car,) informing them of the crash sooner rather than later will help them cover the problem—and reset their expectations for your workday.
It is also imperative you contact your insurance companies. Car insurance and medical insurance are the two most important companies you must contact immediately. You can figure out the cost of the accident to you, and feel comfortable heading to the hospital.
If you find yourself in a car wreck on the clock, do not worry. You should follow the basic crash procedures you would in another car accident. Though the car crash might have stirred you up a little, you only need to contact people who are involved in the situation.
It’s always good to know what to do in case of an emergency. To make sure you’re prepared, take one of our training classes!