I was recently involved in a rear-end collision while driving a work vehicle owned and insured by my employer. I received two citations related to the accident. I’m wondering if those citations are dismissed by a judge and do not affect my record, will my insurance premium still increase? I assume the answer is yes, but I’m curious if my personal insurance will remain unaffected since I’m not filing a claim through my own policy. Thanks for any insights!
Rear ended someone
It’s understandable to have concerns about how an accident might affect your insurance. Since you were driving a work vehicle, the situation can be a bit different than a typical personal insurance scenario. If the accident results in a claim being filed against your employer’s commercial insurance policy, that might lead to an increase in their premiums, which could potentially affect your employer’s future insurance costs.
As for your personal insurance, if you’re not filing a claim through your personal policy and your citations are waived, it’s possible that your personal rates might not be impacted directly. However, insurance companies can consider your driving history as a whole, so it’s wise to check with your insurance agent for specific details on how this might affect your premiums in the future. It’s also good to be aware that some insurers conduct periodic reviews and may adjust rates based on claims history or driving records, even if you weren’t at fault.
Ultimately, it’s a good idea to have a conversation with both your employer’s insurance provider and your own to clarify how this incident might impact your premiums.