No matter how much trust you put into your drivers and regardless of how safe and responsible they are behind the wheel, sometimes accidents and collisions can happen anyway. Sometimes things suddenly spring up on the road without any warning and leave a reliable driver searching for answers. Because accidents can happen at any time, it’s important your drivers know what to do in the aftermath.
If one of your drivers were to commit an error after an accident that jeopardized the safety of a passenger, you could be looking at a liability claim on your limo insurance. Limousine accidents are serious matters regardless of the nature of the accident because the fact that passengers may be involved makes it all the more dangerous. While your company’s limo drivers are obviously trained and equipped to avoid collisions, anything can happen on the road no matter how experienced the driver is. If one of your drivers is ever involved in accident with passengers, here is what they should do immediately following the collision:
• The first thing a limo driver should is make sure to check the status of all the occupants of the vehicle, including the driver themselves. After making sure that you, the driver, are injury free immediately assess each and every passenger.
• If anyone in the limo is injured, call 911 immediately and also contact the police to alert them of your accident or collision. All limo drivers should have a cell phone on hand.
• Assess the damage of your vehicle and other one involved and see which spots were damaged. Take photos of the vehicle you hit so you can refer to them later one in addition to the license plates. Finally, take pictures of the accident scene from various angles to support your written report.
• If you were involved in a collision with one or more vehicles, exchange insurance information with each of the drivers of the vehicles. For each vehicle involved be sure to get the driver and owner’s name, phone number, address, license plate number, insurance company and policy information. You will also need the names of all the occupants of each vehicle.
• Following the accident the driver of the limo should fill out and file an accident report with details of the accident. The state, insurance provider and the limo company will keep this for their records. Be sure to immediately report any accident where serious injuries were sustained to your insurance company via their 800 Claim number service.
• If the accident occurs in an area away highly populated area, it’s always a good idea to keep an emergency kit stored in the trunk of your limo. A typical emergency kit will have jumper cables, a flashlight, batteries and road flares.
This checklist of information and procedures should be kept in the car and each driver should be aware of its location.
Accidents can happen at any time, even if you limo driver isn’t at fault. However, it’s important for your employees to have the knowledge of what to do after an accident. If you have any more questions, feel free to contact our agency and talk to us about livery insurance in Massachusetts.