Tuesday, April 26, 2016
Do you and your employees know what to do if the company vehicle gets into an accident?
It’s something bosses dread every time their employees step into the company vehicle. They whisper to themselves, “please don’t get into an accident.” After a few hours, they get a phone call from their employee. They stare at their screen and finally answer the phone, their heart drops as they hear the magic words: “Hey boss, there’s been an accident.” They will have comfort knowing their employees know exactly what to do when it comes to company car accidents. Can you say the same of your employees, should they find themselves in a similar situation? By following this commercial auto insurance accident checklist, your business will have done everything it can.
- Make sure there are no serious injuries
Make sure that you, your passengers, and others involved are OK. If anyone is injured, call 911 or get some help. If no one is injured, keep a level head and assess the situation.
- Make sure you’re always safe
Make sure that other vehicles can see you when you are stopped. Turn on your blinkers, and alert all other vehicles. If at all possible, move it out of traffic’s way. Your mishap shouldn’t affect the thousands of cars behind you.
- Exchange Information
Now, exchange information with other people involved in the accident. Be sure to write down basic contact information for everyone involved, including:
- Name
- Address
- Phone number
- License plate number
- Driver’s license number
- Insurance company and policy number
- Call the Insurance Company
Call your insurance company as soon as possible, and report exactly what happened and answer any questions they will have for you as truthfully as possible.
5. Notify the Police
If necessary or if there are any injuries, make sure to notify the police.
Accidents are sometimes unavoidable and costly, especially for a business. You can be the best driver in the world, and still succumb to another driver’s inability to keep their eyes on the road. No matter what type of vehicle owner you are, you will need to invest in a San Antonio, TX business auto insurance policy. For help finding an auto insurance policy that will fit your needs, contact the Texas insurance professionals at Jerry R Carnahan Insurance.
About Jerry Carnahan, LUTCF, CWCS
Jerry Carnahan is the owner of Carnahan Insurance agency, and co-author of the Texas edition of Stop Being Frustrated & Overcharged, a book about reducing Workers’ Compensation costs. Jerry is also the brains behind SmartGuard(R), a proprietary process to identify and prioritize businesses’ unique risks. SmartGuard(R) was granted a registered trademark by the U.S. Patent and Trademark office! Gerry is available to speak to business, networking, benevolent and association groups on the topic: What Every Business Needs to Know About Lowering Insurance Premiums: 2016. Carnahan Insurance is a proud member of the Insurance One Agency family.