image of a car fender after an accidentAuto accidents impact the lives of multiple families and individuals each year. However, they can also affect businesses. When an employee drives a company car, they must get commercial auto insurance.

This auto insurance protects against the risks associated with accidents on the road. Business policies differ from consumer policies because companies have a higher risk. When you understand the process to file a claim, you avoid complications in your company.

Discuss the Claim's Process with Employees

Filing a claim on your commercial auto insurance policy starts at the time of the accident. Inform your employees about the company's policies regarding the claim's process. Ensure that they know the proper steps if an accident occurs.

Every driver must take steps for their safety and the safety of other drivers. Tell them to call the police and report the accident. The police report documents the damage and driver statements. Set up a clear process for the employees who spend time on the road in a company vehicle.

Contact the Insurance Provider

Call the customer service number of the insurance provider. Talk to a customer representative from the insurance company. They will ensure that you talk to the proper individual to file a claim on your business insurance. Provide information about your name, business and policy.

Get an Estimate

Your business insurance provider will ask for an estimate of the damages. Take the vehicle to a professional mechanic or repair shop. Ask for an estimate for the repairs. In some cases, the insurance provider will recommend a mechanic.

The insurance provider also needs to know about injuries from the accident. Even if an employee did not cause the accident, you should tell the company about their injuries. The other driver may not have insurance or may have limited coverage. Your policy will usually have coverage for uninsured motorists.

Commercial auto insurance covers your employees. As a result, you must buy a policy that covers every individual with access to a company car. When you set up a clear standard for employees to follow, you reduce the risk to your business. It allows you to file a claim by showing the documentation of the accident with the estimate for repairs.

Do you need commercial auto insurance? We can help you get a commercial auto insurance policy that helps cover your needs. Call Integrity Network Insurance Group, LLC at (844) 524-4744 for more information or to get a quote.

Posted 5:59 PM

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