Accident this morning

gregtelf

I've just skidded in the snow/ice coming out my street and crashed into a parked caravan.

I have a company car but the neighbour with the caravan has no insurance for it.

Will my company policy cover the damage to the caravan given that it was my fault ?

Worried

Browntoa

Yes, all covered by your insurance

gregtelf

I really hope your right

I can't afford to be paying out for the repairs but morally I would feel compelled to.

neilmcl

gregtelf wrote: »

I really hope your right

I can't afford to be paying out for the repairs but morally I would feel compelled to.

He is right but as an aside it's nothing to do with whether your morally compelled to, you (or rather your insurer) will legally be compelled to.

Generali

@OP - Your only costs will be the insurance excess assuming that you are properly insured.

Nodding_Donkey

Was the caravan on the road?

Car_54

Generali wrote: »

@OP - Your only costs will be the insurance excess assuming that you are properly insured.

Eh? For a third-party claim?

neilmcl

Car_54 wrote: »

Eh? For a third-party claim?

Presumably there's damage to the OP's car therefore there may be excess to pay, although I'm not sure how it works with company cars/insurance, ie, who pays the excess.

robatwork

Not legal advice but just..... well done for taking one off the roads.

BeenThroughItAll

robatwork wrote: »

Not legal advice but just..... well done for taking one off the roads.

You and many others might not like them, but if that's someone's pride and joy that's not a very charitable point of view.


How would you feel if it was your car being hit by someone who couldn't control their car in wintry conditions?

InsideInsurance

Assuming it is your fault, ie you were driving in an unreasonable manor for the road conditions, then the insurer of your vehicle will cover the damages you caused to the other parties.