The Importance of Understanding Why Your Business Needs a Driving at Work Policy

Personal auto insurance policies are intended to cover the individual for their personal driving vehicles. Some policies, however, may cover business expenses such as commuting a short way to meet clients. Most personal auto insurance companies, however, do not cover business driving. This because it is riskier and may violate the terms of the policy and for that reason, it is best to consider getting a business auto insurance policy.

What Kind of Auto Insurance is Needed for the Business?

If a business owner makes multiple commutes a day, transports people or products, or is in the sales business there are two types of auto insurance to consider.

  • Commercial Auto Insurance- Effective for when a business owns the vehicle and/or if the individual uses his or her own vehicle for work.
  • Hired and Non-Owned Auto Insurance- This type of insurance covers vehicles that are used for the business but are not owned directly by the business. Vehicles may include employee-owned vehicles that are used on company time or that are rented for the business.

Along with having separate business from personal auto insurance, it is important to have a business driving policy. Understanding Why Your Business Needs a Driving at Work Policy can reduce claims and increase safety for the employees involved.

Writing a Policy

Listed below are a few tips of what to include within the policy to ensure a clear understanding.

  • The company vehicle shall be used for only the business and never for personal use unless specifically authorized. Should the employee have authorization for personal use, only the employee is to use the vehicle.
  • The driver and the passengers will wear safety belts at all times.
  • Cell phone, smart-phone or mobile radios are strictly prohibited while operating a “moving” company vehicle. Should the driver receive a call, they are to pull over and park prior to answering the phone or replying to any messages received.

Safety in Mind

Driving to and from work involves a risk for both the driver and any surrounding drivers or pedestrians. While employers cannot control roadway conditions, they can promote safe driving behavior. Having an official company driving policy shows both the employees as well as the insurer that matters are taken very seriously.

Legal Representation Helps Accident Victims Prevail in Cases Where DWI Was Involved

Driving while intoxicated, or DWI, is one of the most dangerous things anybody can do. Drivers whose senses and abilities are impaired by substances like alcohol or illegal drugs kill many thousands nationwide each year and leave far more victims profoundly injured.

Because so many accidents involving impaired drivers are so serious, getting in touch with a lawyer soon thereafter will often be important and prudent. A DWI Accident Lawyer will be able to help such that the most satisfactory possible resolution can be achieved.

Even a Driver Who Was Not Convicted of DWI Can Still be Found Responsible

Some accident victims watch with dismay as drivers who caused injurious accidents end up not being convicted of DWI. The standard in criminal cases such that guilt must be proved “beyond a reasonable doubt” can easily lead to these disheartening kinds of results.

Fortunately, civil actions only need to clear a significantly lower bar in order to prove successful. Simply convincing a judge or jury that a the “preponderance of evidence” points to a driver having been intoxicated will often be enough to secure a judgment against that party.

This fact is one that is not always obvious even to those who were injured most seriously in accidents caused by intoxicated drivers. In some cases, that leads such individuals to accept less compensation than is actually owed to them, thanks to the ruthless tactics of insurers.

A lawyer who is able to keep fighting for such a client can end up producing a far larger settlement or verdict. Even when a driver has been cleared of DWI accusations in a criminal case, things can still turn out very different on the civil side if a dedicated attorney is in charge.

An Important Decision in Many Cases

For this reason and a number of others, it will often be wise to contact an attorney after being injured in an accident. Where any possibility exists that the other driver was intoxicated or impaired, having access to the representation and counsel of an lawyer can make an enormous difference. Given that it often takes only a single, free phone call to have a case assessed, there will rarely be a reason to hold back.