Employee makes accident with the private car – who pays?
If employees use their private car in the service of the company and an accident occurs, the question arises as to who must pay for the damage, any deductible or bonus loss of the employee.
In the absence of an agreement on the participation of the company in the professional use of a private car, the employer must bear the entire costs of a claim. Only in cases of moderate and gross negligence is there a limited liability to pay damages.
Employers can protect themselves against such costs with a comprehensive company car insurance policy. It covers the collision damage and assumes any bonus loss and the deductible of the practice employee with his motor vehicle liability insurance, if the latter is liable to pay benefits.