I recently had a rear-end collision in a work vehicle that belongs to my employer and is covered by their insurance. I received two citations for 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 assume the answer is yes, but I’m wondering if my personal insurance will be affected since I’m not filing a claim through my own policy. Thanks for your help!
Rear ended someone
It’s understandable to have questions about the implications of an accident, especially when it involves a work vehicle. Generally speaking, the citations you received can lead to increased insurance premiums for your employer’s policy, particularly if they perceive you as a higher-risk driver based on your driving record. However, since you’re not using your personal policy for this incident, any rate increase might not directly affect your personal insurance premium.
That said, there are a few factors that can vary based on your employer’s insurance policy and how accidents are handled in their coverage. It’s best to discuss this with your employer’s insurance agent or HR department for specific guidance on how this incident may impact the company insurance. Additionally, if the citations are waived, it might help mitigate any potential increases, but it’s not guaranteed. Always best to stay proactive and informed about such matters!