Some Pennsylvania companies are based on the act of transporting people or products. Even those companies whose main business does not involve transportation may need to have their employees travel to different locations as part of the business. When these employees are driving various company vehicles on the roads, they can cause motor vehicle accidents just like anyone else.
When they cause motor vehicle accidents, the victims of the accidents can suffer serious injuries that require time to heal from. The injuries can also be very costly as they can require significant medical treatment as well as other economic damages. It is important that victims are compensated for their injuries.
When people can seek compensation from company policies
While in most circumstances the victims will seek compensation from the driver’s insurance company, if the vehicle is owned by a company, the victim can seek compensation from the company’s insurance policy. Companies that have drivers as part of their business are required to carry commercial vehicle insurance for the vehicles that their employees use while working. This can be advantageous for the victims as many times commercial policy limits are higher than those policies carried by individuals.
For certain policies, the driver of the company vehicle must be working at the time of the accident, but many do include personal use of the company vehicles. So, even if the driver was using the vehicle for personal purposes at the time of the accident, the commercial policy may still pay for the damages. However, if family members are driving the company vehicle, the company policy may not cover the damages.
After a motor vehicle accident, the victims are generally concerned with receiving the medical treatment they need to get better. When the accident was not their fault, the victims should not have to pay for the needed medical treatment though. The driver responsible for causing the accident should be required to pay for the damages. And when the driver was working for someone else at the time of the accident, the employer may be held liable as well.
It is important for people in Pennsylvania to know which insurance company is responsible for the damages. If it is a vehicle driven for a business, that is often the company’s insurance company. Experienced attorneys understand who to hold responsible to achieve the best results for the victims and may be able to help people become whole again after the accident.