Life can be lost, injuries sustained and vehicles and other property damaged in the event of an accident. Some accidents can be avoided through drivers and other road users being careful while driving and using the roads. The law puts measures in place that expect all businesses and employers to obtain insurance covers for their vehicles and employees against accidents and injury. The drivers, passengers and other people who get injured after an accident are included as third parties in the insurance policy. A business benefits from the insurance policy through the insurance company being responsible for paying medical bills and compensation for inconvenience caused to those involved.
Damaged vehicles are also covered by the policy and all repairs or replacements will be catered for by the insurance companies. Once the accidents happen it might take a long time before the incident is investigated and compensation made. When the employee is involved in an accident the process becomes more complicated than previously. Insurance companies are very strict after accidents and will gather as much information as possible before making decisions to make compensation or not to. It is often assumed that the employer will cover the employee’s expenses when they get injured.
However the employers do not have to cater for expenses especially if the employee was not careful or in various situations. As much as employees demand for compensation it is great for the employer to know things that can determine whether they need to compensate them or not. If the employee gets in an accident while performing duties related to their jobs the employer is usually responsible for that accident. If the employee gets in an accident while doing personal activities not related to work the employer can deny them compensation. If the employee is injured while traveling home or to work they can risk getting denied compensation by their employers.
Once the employee is involved in an accident they should not take blame for that accident because this can be used against the employer later in court. The people involved in an accident should check on others to ensure they are not hurt and if so, give first aid and contact medical service providers and authorities. The employee and third party victims are not supposed to move away from the scene until the police arrive and take reports. After contacting the authorities the person should stay at the scene of accident and collect evidence and statements from witnesses present. Pictures of the scene of accident should also be taken to provide the employer with evidence while claiming compensation from the insurance company.