I recently got into a rear-end collision while driving a work vehicle owned and insured by my employer. I received two citations from the incident. I’m wondering if a judge decides to waive those citations and they don’t appear on my record, will my insurance rates still increase? I’m assuming the answer is yes, but I’m curious if, since I’m not filing a claim through my personal policy, my insurance for my personal car would remain unaffected. Thanks in advance for any insights!
Rear ended someone
In situations like this, it’s important to consider a few factors. Generally, if you were driving a work vehicle, any insurance implications would typically fall on your employer’s commercial insurance policy. If your employer’s insurance covers the accident and there’s no claim made on your personal policy, that might help keep your personal rates unaffected. However, if you were issued citations, it’s possible that your driving record could still influence your insurance rates, depending on how your state’s laws are written and what the insurance company considers in their rate calculations.
If the citations are waived by a judge, that can potentially help your case. However, it’s important to clarify with your employer’s insurance provider about how they handle such incidents, as well as with your own personal insurer regarding any additional impacts. They can provide the most accurate information based on your specific circumstances. It may also be beneficial to consult with a legal expert for clarity on citation handling and insurance ramifications. Good luck!