Car accident while driving for work

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terminal3k

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Hi,
My wife was in a car accident while driving for work, using her personal car. Can she claim from her work for the damages or what can be done? She didn't get the drivers details because he left before she could get them. The accident wasn't her fault, the other driver drove into the back of her.
Thanks in advance
 
1) Raise a case with the police. Hit and run
2) Claim from your insurance
2.5) You better hope you have her car insured for business use...
3) Talk to her work about covering the excess, I'm pretty sure they won't cover all the damages. It wasn't their fault either, and they won't have insurance on your car
 
I have not heard of a company paying for damage to their employees vehicle because the employee was driving to work.

So no, you will not be able to claim.

Regarding the post above, driving from home to work and back is not see as business use. Business use is when you need to drive around for your work, i.e. you are a sales rep or something.
 
Sinbad said:
1) Raise a case with the police. Hit and run
2) Claim from your insurance
2.5) You better hope you have her car insured for business use...
3) Talk to her work about covering the excess, I'm pretty sure they won't cover all the damages. It wasn't their fault either, and they won't have insurance on your car
Click to expand...
exactly this.

Ecco said:
I have not heard of a company paying for damage to their employees vehicle because the employee was driving to work.

So no, you will not be able to claim.

Regarding the post above, driving from home to work and back is not see as business use. Business use is when you need to drive around for your work, i.e. you are a sales rep or something.
Click to expand...

She is driving for work so business use.
 
If insured for business use, claim from insurance. If not ja well eish
 
If the vehicle is ensured for business use claim from insurance.
If the vehicle is only ensure for private use she's out of luck unless she spins a story that she ran a personal errand or something like that which would constitute fraud. If you do spin a story don't be an idiot and go claim mileage from the company for the trip...
If it happened to or from work (home-work-home) then it's still private use.

It's not the companies problem.
 
Last edited:
How do the insurance companies determine business use?

I mean I going to Steers or the doctor
 
terminal3k said:
Hi,
My wife was in a car accident while driving for work, using her personal car. Can she claim from her work for the damages or what can be done? She didn't get the drivers details because he left before she could get them. The accident wasn't her fault, the other driver drove into the back of her.
Thanks in advance
Click to expand...

Was this in Sandton? :eek:
 
Dolby said:
How do the insurance companies determine business use?

I mean I going to Steers or the doctor
Click to expand...

Your job description :D

That being said, most insurance companies does allow a certain amount of business use on personal vehicles. If you use your vehicle let's say once or twice per week for business, it's still personal use.
 
Dolby said:
How do the insurance companies determine business use?

I mean I going to Steers or the doctor
Click to expand...

Going to steers or the doctor is not business use.

Business use is when you use your car for work purposes like going to see clients, delivering stuff, site visits etc where the use of the car benefits the business, stuff you can claim back from SARS basically.
 
ponder said:
Going to steers or the doctor is not business use.

Business use is when you use your car for work purposes like going to see clients, delivering stuff, site visits etc where the use of the car benefits the business, stuff you can claim back from SARS basically.
Click to expand...

He's saying that how will they know you're not lying on your claim when you say you were going to steers with a boot full of machine parts.
 
Pitbull said:
That is why they have investigators ;)
Click to expand...

This ^ be careful if you go the "Steers" route. One of the most uncomfortable "interviews" in my life was when two of these dudes came and had a friendly chat with me after I claimed.
 
The business is theoretical not able to insure the vehicle because of insurable interest.
The work can insure damages to third parties under a extention called contingent liability.
It's not impossible to insure under the company policy but the name of the policy (insured) would need to include the owner of the vehicle's name FTRR&I.
If the vehicle was being used to derive a income at the time of the loss then it was business use. Various parameters according to the various insurer's though.
She must report the hit and run at SAPS.
The company, if the required her to go somewhere should be accountable for damages unless it is a requirement that she has her own vehicle in her LOA.
 
Most insurance companies allow 1 or 2 business trips a month or so, so you should be able to claim without an issue if she doesn't do it regularly. But go to the police station and do a hit and run for the other guy.
 
I asked my broker before I insured and they said as long as its not more than 2 trips on average a month it's fine.
 
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