What Happens After a Commercial Vehicle Accident?

An accident involving a company vehicle can be a stressful and confusing experience for any business owner or fleet manager. Knowing what to do in the aftermath of an accident is crucial.

At Bolt Insurance, we’re here to guide you through each step of the commercial auto insurance claim process.

Immediate Steps to Take After an Accident

The moments following a commercial vehicle accident are critical. Here’s what we recommend:

• Check for injuries and call emergency services if needed. Move vehicles to a safe location if possible.
• Take photos of the vehicles, surroundings and any damage. Gather contact and insurance information from all parties involved.
• Notify local law enforcement and file a police report, which is often required for insurance claims in California.
• Inform your company’s designated contact or fleet manager as soon as possible.

Handling the Claims Process

Once everyone is safe and the immediate steps are taken, it’s time to start the claims process.

Report the accident to your commercial auto insurance carrier promptly. Provide all documentation, including the police report and photos.

An insurance adjuster may inspect the damage and gather additional details. Cooperate fully and provide any requested information.  Keep records of repair estimates, invoices and any related expenses.

How We Support California Businesses

Navigating post-accident procedures can be overwhelming. We help our clients by:

• Explaining their commercial auto insurance coverage and what’s included
• Guiding them through each step of the claims process
• Offering advice on fleet safety and accident prevention
• Advocating on their behalf with insurance carriers

Contact Bolt Insurance today if you have more questions about commercial auto insurance or are interested in a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.