Traffic Accident During Working Hours: Who Is Liable as an Entrepreneur?
Many entrepreneurs are on the road every day. Visiting a client, meeting a supplier, or attending a networking event — driving is often simply part of doing business. But what happens if you are involved in a traffic accident during working hours? Who is liable? And how does it affect personal injury claims, loss of income, and insurance?
A traffic accident during working hours often has more legal and financial consequences than people initially expect. For entrepreneurs and employers in particular, it is important to understand their legal position.
When Is a Traffic Accident Considered Work-Related?
An accident is considered work-related when it occurs during the performance of professional activities. This may include commuting in a company car, driving to a client, or making a delivery on behalf of your business.
For employees, employers have a duty of care. This means that under certain circumstances, an employer can be held liable for damage that occurs during working hours. For entrepreneurs and self-employed professionals, the situation can be more nuanced, but liability issues still play a significant role.
Personal Injury and Loss of Income for Entrepreneurs
A traffic accident involving a car can result in physical injuries such as whiplash, fractures, or long-term back problems. While employees may be entitled to continued salary payments, entrepreneurs can face immediate loss of income.
In personal injury cases, compensation may include:
- Medical expenses
- Travel costs
- Loss of income
- Household assistance
- Compensation for pain and suffering
Accurately identifying and recovering these types of damages requires specialized legal knowledge. Many business owners therefore seek legal assistance after a traffic accident to ensure that no category of damage is overlooked.
Is Insurance Always Sufficient?
Entrepreneurs often rely on their car insurance or business insurance. However, these policies do not always cover all damages — for example, when liability is disputed or when there is shared fault.
An insurance company primarily focuses on policy conditions. A personal injury specialist focuses on full compensation. That difference can be financially significant.
Employer Liability for Employees
If an employee is involved in an accident during working hours, the employer may be held liable. This can also apply when an employee uses a private vehicle for business purposes.
For entrepreneurs with staff, it is therefore important to:
- Establish clear agreements regarding business driving
- Maintain appropriate insurance coverage
- Implement a clear protocol for traffic accidents
Timely legal advice can help reduce risks and prevent disputes afterward.
What Should You Do After a Traffic Accident During Working Hours?
- Ensure safety and seek medical assistance
- Collect details from all involved parties
- Take photos of the scene
- Report the accident to your insurer
- Document that the accident occurred during working hours
- Have your legal position assessed before accepting any settlement offer
Many entrepreneurs agree too quickly to settlement proposals, while the consequences of injuries sometimes only become clear weeks later.
Avoid Financial and Legal Surprises
A traffic accident during working hours affects not only property damage, but also liability, income security, and the continuity of your business. A careful legal assessment helps ensure that you do not miss out on compensation you are entitled to.
Would you like to understand your legal position? Please feel free to contact us for an assessment of your situation.