I was recently involved in a rear-end collision while driving a work vehicle owned and insured by my employer. As a result of the accident, I received two citations. I’m wondering if these citations could be dismissed by a judge without affecting my record. Even if they are waived, will my insurance premiums still increase? My understanding is that they likely will, but since I’m not filing a claim through my personal policy, I’m hoping my personal rates won’t be impacted. Any insights would be appreciated. Thank you!
Rear ended someone
I’m sorry to hear about your accident! In general, when you’re involved in a car accident, especially in a work vehicle, there are a few key points to consider regarding insurance and citations:
Citations and Record: If the judge waives your citations and they don’t go on your record, that’s a positive outcome. However, whether your insurance goes up can depend on your employer’s insurance policy and the specifics of the incident.
Insurance Adjustments: Even if you don’t file a claim through your personal insurance, your employer’s insurance may still reflect the accident. Many insurers track accidents and may adjust rates based on claims history, even if the claim isn’t made against your personal policy.
Company Policy: Since you were driving a work vehicle, it’s important to check with your employer or HR department. They may have specific policies regarding accidents and how they affect insurance premiums.
Future Implications: Keep in mind that even if your personal insurance doesn’t get affected directly, the incident might have implications on your employment or company insurance rates, so it’s wise to address any concerns with your employer.
It’s always helpful to clarify with your insurance company or your employer regarding their policies on such issues. Best of luck!