Commercial Auto Insurance
What to do after a business vehicle accident
Vehicle accidents involving business vehicles require quick action to protect employees, gather evidence, and preserve your rights. Here's how to handle commercial auto claims.
Commercial auto claims involve liability (damage to others), physical damage (your vehicle), and potentially workers' comp (if employees are injured). Proper documentation at the scene is critical for all coverages.
Step-by-Step Claims Process
Ensure safety and call for help
Check for injuries and move to safety if possible. Call 911 for emergencies. Don't move vehicles unless required for safety—police will document the scene.
Tip: Always call police for accidents with injuries, significant damage, or disputed fault.
Document the scene thoroughly
Take photos of all vehicles, damage, license plates, the scene, and any visible injuries. Get contact and insurance info from all parties. Note witness information.
Tip: Take video walking around all vehicles. Photograph traffic signals, road conditions, and weather.
Report to your insurer
Contact your commercial auto carrier to report the accident. Provide facts without admitting fault. If employees are injured, also file workers' comp claims.
Tip: Most carriers have 24/7 claims hotlines. Report even minor accidents—they can become major claims later.
Get repair estimates
Your insurer will guide you on getting estimates. Many carriers have preferred shop networks that can expedite repairs and guarantee work.
Tip: Ask about rental reimbursement coverage to keep your business running during repairs.
Cooperate with investigation
Provide requested documents, written statements, and access to the vehicle. If fault is disputed, your insurer will investigate and defend you.
Tip: Keep copies of all repair invoices and rental receipts for reimbursement.
Tips for a Smooth Claims Process
- Keep an accident kit in each vehicle: camera, forms, pen, emergency contacts, and insurance card
- Train drivers on accident procedures—panicked drivers often forget crucial documentation steps
- Never admit fault at the scene, even if you think you might be responsible
- Report all accidents to your insurer, even if you don't plan to file a claim—other parties might
- Review your driver's MVR after accidents—multiple incidents may indicate a training need
Need help with your commercial auto insurance?
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