Accident in company vehicle

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Comments

  • Manxman_in_exile
    Manxman_in_exile Posts: 8,380 Forumite
    First Anniversary Name Dropper First Post
    OP - you may be better off getting this moved to the Insurance or Motoring boards.


    FWIW my MiL has benefited greatly from care workers visiting her home and trying to help her function normally.


    It's a bl00dy travesty if carers' employers are going to start arguing the toss over insurance liabilities. The employer's insurance ought to be sorting this out.


    I'm only 60 but I'm beginning to think of "easy ways out". In 20 years time I don't want to be dependant on a "caring" company that can't give their employees accurate insurance advice. God help us all...
  • Red-Squirrel_2
    Red-Squirrel_2 Posts: 4,341 Forumite
    Manxman_in_exile wrote: »

    I'm only 60 but I'm beginning to think of "easy ways out". In 20 years time I don't want to be dependant on a "caring" company that can't give their employees accurate insurance advice. God help us all...


    What would be better is if you use your vote and your voice while you are young and fit and can, to improve the situation for vulnerable people.
  • Manxman_in_exile
    Manxman_in_exile Posts: 8,380 Forumite
    First Anniversary Name Dropper First Post
    Red-Squirrel wrote: »
    What would be better is if you use your vote and your voice while you are young and fit and can, to improve the situation for vulnerable people.


    Yes but I don't see it happening. I've voted in every election since 1979 and I've never voted for the winning side! Apparently taxpayers don't want to pay for proper social or healthcare.


    I worked in a mental health trust for 25 years and I'm really pessimistic about the future. We want people to stop smoking and drinking (= a loss in duty revenue) so they'll live longer ( = more elderly people with complex health problems and dementia) but we seem to have no long term plan as to how we are going to deal with this.


    I also used to be involved in NHS workforce planning (always an embarrassing admission!) and we still seem to be dealing badly with the same problems as 20 years ago. We don't have enough nurses. Why can't we train sufficient numbers in this country? Because it's cheaper to poach trained nurses from poorer countries.
  • Red-Squirrel_2
    Red-Squirrel_2 Posts: 4,341 Forumite
    Manxman_in_exile wrote: »
    Yes but I don't see it happening. I've voted in every election since 1979 and I've never voted for the winning side! Apparently taxpayers don't want to pay for proper social or healthcare.

    You voted Tory in 97? Jesus! :eek:
  • Manxman_in_exile
    Manxman_in_exile Posts: 8,380 Forumite
    First Anniversary Name Dropper First Post
    Red-Squirrel wrote: »
    You voted Tory in 97? Jesus! :eek:


    DEFINITELY NO!!! I've never voted Tory! Although I did consider doing so in 2010 to get rid of that idiot Gordon Brown. After he'd "saved the world" by bailing out the bankers (and their bonuses!), my MH trust had to find savings of 20% over five years. People think it was the Torys who started this, but it was Brown's labour government.


    The first time I didn't vote labour was in 1997. That's because I'm a "socialist" and I certainly did not want to vote for Tony Blair. He was clearly going to be a disaster.


    I became involved in NHS workforce planning after 1997 - I can tell you, the government did not have a clue. They created (and funded!) new training places but did not have the joined up thinking to ensure that trusts had sufficient revenue funding to employ the newly qualified staff. Our local university provider pointed this out, (they didn't want to train people for jobs that wouldn't exist), but government didn't want to know - it was "political".


    And don't get me started on PFI. Yes, it was a Tory creation, but Blair and Brown just continued it without restraint.
  • TBagpuss
    TBagpuss Posts: 11,199 Forumite
    First Post First Anniversary Name Dropper
    OP, I think the first thing to do is to ask your employers for a copy of the doumcnet you were asked to sign, and to check your contract and any manual or hand book you have to see whether this situation is covered.
    If it isn't, then ask them why they feel you should be liable

    If you were driving under your own insurance then you are already going to suffer as you will have a claim.

    I think it is fairly common for people who drive their employers vehicle to be held responsible for damage caused by their own negligence, so there may be an issue over whether the accident was caused by your negligence (i.e. were you driving badly for the conditions)

    Are you a member of a Union? Do you have legal cover on your home insurance that would enable youto access some advice?

    If not, I would suggest that in the first instance, you go back to your manager and say that as you were driving the vehicle under their instructions and as part of your job, you believe that it is their responsibility to cover the costs of all repairs, and that you are not in a position to pay or to agree to any deduction from your wages for that purpose, and see what they say.

    if they still say you should pay, ask them to provide copies of the relevant part of your contract
    All posts are my personal opinion, not formal advice Always get proper, professional advice (particularly about anything legal!)
  • JadeKyle100
    JadeKyle100 Posts: 4 Newbie
    Hi guys,
    Thanks for the advice and comments so far. I wasn't sure whether to put this under work/insurance or motoring!

    They knew I was driving under my own third party insurance, I don't believe I'm one of the named drivers on their own company insurance for the car.
    Since then I got paid yesterday and as I didn't go into the office the day prior to discuss moving forward they informed me that they deducted a sum from my wages until the matter has been dealt with. Now that I'm pretty sure they cannot do! I never agreed to that, though the director said bring in the signed copy of the contract, so I'm assuming there's a clause in there.

    After I didn't respond well to that message my Manager told me 'off the record' that the director wasn't going to make me liable for it or pay towards it, but that I need to speak with her.

    They're both sending me really mixed messages and if it's true that I won't be expected to pay towards the repairs then what reason is there to deduct a penny from me?!
  • Savvy_Sue
    Savvy_Sue Posts: 46,014 Forumite
    Name Dropper First Post First Anniversary
    JadeKyle100 wrote: »
    They knew I was driving under my own third party insurance, I don't believe I'm one of the named drivers on their own company insurance for the car.
    We simply don't let anyone drive our works van without being on the company insurance, and I can imagine their insurance company is going to ask some awkward questions if they try to claim.

    In a way it's a shame that you'd borrowed it previously NOT under their instruction, it does muddy the waters somewhat.

    You do realise that you need to tell your own insurance company that you had an accident, even if you're not claiming from them?
    Signature removed for peace of mind
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