Accident while driving for work... thoughts?

I collect data at various locations and use my own car. I am employed part time, not a contractor. Recently I found myself in a traffic jam while working, a tight space, and at very low speed damaged another car. Damage $2000+ as it was a new vehicle and a large door is to be replaced. Company not coming to the party to help with insurance or my excess, I'm facing having to claim on my own insurance with a $1000 excess. Devastated. Is there any other way I can play this?

Comments

  • -2 votes

    Btw no damage to my car

  • -3 votes

    What is your contract say?

    If you need to travel and your company not providing company car then they are reimburse you with your car usage which including insurance.

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      Nothing in contract. Yes paid per hour and by the kilometre

      • +13 votes

        This should include registration, insurance, depreciation etc. So they don't need to cover accident

        • +2 votes

          As SnookeAndLose pointed out, reimbursement by km includes petrol, vehicle running costs, insurance, wear and tear.

          You could try checking with your employer to see if they have a Travel Insurance policy that covers employees. If so does it cover local travel in an employee's private vehicle?

  • +8 votes

    Did you mention on your insurance that you use your car for business purposes? Might be best not to ask them for advice.

  •  

    Curious, were you on your phone?

  • +2 votes

    $1000 is on the small side to rock the boat at work. It's also a nice size lesson to drive carefully. If someone else pays, your driving might get worse.

  • +10 votes

    Why would your company pay for your excess? I know you were doing your job while driving, but if its not in your contract, you got no hope IMO

  • +8 votes

    Nothing in contract. Yes paid per hour and by the kilometre

    your problem, not theirs

  • +2 votes

    It really depends on what’s in your contract. If it’s silent on the issue and it’s your own car, you’re probably going to be up for the damages.

    However check with your accountant if you can claim a tax deduction on the excess

    https://www.ato.gov.au/individuals/income-and-deductions/ded...

  • +6 votes

    Company not coming to the party to help with insurance or my excess, I'm facing having to claim on my own insurance with a $1000 excess. Devastated. Is there any other way I can play this?

    You are the driver, you're responsible. Your car, your insurance, you driving - everything points to you. The fact that you were paid to drive is irrelevant unless there was some agreement that insurance is covered by your employer. It's likely that your per km rate already takes into account things like depreciation, wear and tear, damage…etc. including you hitting someone else.

  • +1 vote

    Basically the company is explicitly paying you for the use of your vehicle through the allowances. Unless you can find some evidence/statements to the contrary it will be assumed that this payment covers ALL costs of operating the vehicle, including any damage done to it.

  • +1 vote

    If you are using a vechile for business purposes regularly you should have personal and business insurance to avoid being out of pocket. Also as stated previously you have accepted a rate per km with the job, so you won’t be entitled to more (not a car allowance situation). You can claim maintenance and repairs as a tax deduction but I would go through a tax agent to do this.

  • +2 votes

    Last resort you should be able to claim it off next year’s tax return

  • +1 vote

    pay up son

  • +1 vote

    I see where everyone's coming from, I refuse to use my own car without my employer covering everything but sometimes you might not c.c e on a strong bargaining place.

    I suggest talking to legal aid or your t States equivalent
    1. In case there's something no ones mentioned you can claim send issues around your registration and insurance, being taken out to include business use
    2. Getting an exact legal opinion in your contract as you may want to change the wording when it's renewed. If the accident wasnt your fault I think youd have more standing but…particularly as
    3 what would they do if you were injured in that accident? You should be covered as you are "at work". Might not be applicable now but you could turn this annoying $1000 excess in to a, won't get caught out in any w way in future moment

  •  

    This is why you shouldn't drive your personal vehicle for work unless all the details have been addressed prior. It needs to be part of a well written private motor vehicle use policy/contract.

    What happens if you don't have insurance?
    What if you have 3rd party insurance?

    In this case it sounds like the employers position is that you have been paid in full for the risk as part of the per km rate.

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    Paid by the hour… out of this income is ALL your expenses. I guess now you realise your hourly wage is possibly $5 per hour, if that.

  • +1 vote

    You could start a fund raiser.

  • +4 votes

    be careful, your insurer could walk away from approving a claim if they are aware it was during business use and you have only declared personal use

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