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What a horrible way to start or end a day. There’s nothing worse than damaging the company car. Who is responsible for the bill? The company, the driver who rear-ended you…or you?

If it was your fault

If you were involved in an accident driving for work purposes and you were at fault, your company’s insurance will cover the damages. If you drove the company car home and was out running a personal errand, you could be liable for the bills.

If you were not at fault

If you were involved in a ‘not my fault’ accident, your company’s insurer will liaise with the at-fault driver’s insurer with regards to damages. You can facilitate this process by providing crucial information about the accident.

Gather proof

The best way to avoid a ‘he says/she says’ scenario is to collect proof that it was not your fault. Record the events chronologically. Grab your phone and take images of the damage – include any important information like traffic lights, stop signs, environmental conditions, and so forth.

If there were eyewitnesses, don’t forget to record their statements and details too.

Wait for the police

Police are usually the first on the scene – even for a small non-injury accident. They will want to record your details and interview you. Give them information as accurately as you can and ask if they can investigate the accident. Police are trained professionals and they will have a more expert view than you.

Visit the doctor

You may not seem to have any physical injuries but make an appointment with the doctor for an assessment just in case.

Accident replacement car

A ‘not at fault accident’ rental car service will allow you to rent a replacement courtesy car without incurring direct costs. This only applies if you were involved in a ‘not my fault’ accident.

The service allows you to use the ‘not my fault’ car hire for as long as you need it, but make sure you ask for a like-for-like car.