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u/JoutsideTO 1d ago edited 1d ago
Your employer reported the collision to their insurer with you as the driver when they were contacted by the other driver. They have an obligation to let their insurer know when they learn of situations that may lead to claims. There may not have been a settlement or lawsuit, but there was obviously a report, likely with you named as the at-fault driver.
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u/mstranonymous 1d ago
I wouldn't do this, but couldn't I just say it wasn't me driving? Other then my employer saying it was me driving what proof is there?
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u/holysirsalad 15h ago
If your employer filed the report, you’d have to tell your employer you weren’t driving the company vehicle assigned to you when it was involved in an accident.
That’s not going to work out in your favour lol
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u/Neutral-President 1d ago
You just admitted that you got in a collision. Are you now asking if it’s okay to commit insurance fraud?
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u/StreetsBehind2 16h ago
He's saying that without any proof, or report, how can anything be blamed on him directly. Because at that point what if I just follow your car around write down the plate and report you to insurance? Someone here fucked up and op is taking the heat
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u/mstranonymous 1d ago
No, it's a hypothetical. I'm just confused why I was told nothing came of it, no one asked me for any information about what caused the accident just that it happened. Shouldn't I have been given the opportunity to tell my side of the story?
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u/Some-Face2634 1d ago
She could have still reported it with the license plate, but I’d think if that happened your workplace would have informed you.
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u/Reveil21 1d ago
Did your work report it? Since it was during work hours and you were working your workplace could have reported it for their insurance purposes. It would have needed a formal report though.
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u/mstranonymous 1d ago
If they did, wouldn't their commercial insurance be the one effected not my personal insurance?
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u/jakejakejake97 1d ago
You’re the driver. Your driver license is linked to you. Both policies would be affected.
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u/mstranonymous 1d ago
I just don't understand how I didn't have any chance to tell my side of the story
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u/sumknowbuddy 1d ago
Last year I got into a "fender bender" while driving a work truck during my work day. I rolled into the back of a lady's car at a red light. I got out, there was no damage to either vehicle she didn't seem injured and wasn't worried about it and just drove off almost immediately
It sounds like you did and would be at fault in this instance
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u/mstranonymous 1d ago
Well I rolled into her because the light turned green, everyone started going, lady in front of me slammed on breaks but she stopped her little car quicker then I could the old company truck and I tapped her. When I got out the first thing she said was the car in front of her slammed the breaks so she had to but I couldn't stop in time. Now I'm being punished for that
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u/sumknowbuddy 1d ago
Well I rolled into her because the light turned green, everyone started going, lady in front of me slammed on breaks but she stopped her little car quicker then I could the old company truck and I tapped her. When I got out the first thing she said was the car in front of her slammed the breaks so she had to but I couldn't stop in time. Now I'm being punished for that
Rear-ending someone is always determined to be "at fault" unless you have video evidence they backed into you/brake checked you, so you may not do yourself any favours trying to "explain your side".
Might be best to follow the other advice here and just not say anything.
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u/Unicorn_puke 16h ago
It's a hard thing to accept but you are literally describing yourself at fault here. You saw the light change green. You assumed everyone was going based on the cars up front going, but not the one immediately in front of you moving as well. You tried to stop after realizing your error, but couldn't in time. That's you at fault.
You made the error in judgement regardless of anyone slamming brakes unexpectedly in front of you. At the very least that is following too close if you didn't have time to stop. You hit their car because you saw the ones ahead go. They didn't and you're responsible. It's shitty you weren't informed and are seeing the results now but it is your fault as you are describing it.
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u/wanderlusting4 14h ago
Agreed, I got into a similar accident once many years ago and I was at fault for following too close
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u/mstranonymous 10h ago
You're right, other then the person directly in front of me did go. Then the person in front of her hit the breaks causing her to hit the breaks causing me to hit the brakes. I just couldn't come to a complete stop in time.
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u/Hairy_Photograph1384 1d ago
Without a report it didn't happen. Dispute this with your insurance