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Super Carrier  
#1 Posted : Tuesday, November 19, 2019 2:18:02 PM(UTC)
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I'm a FT city carrier who had a wreck today. It was a 2 vehicle crash. The other driver ran through the red light, when it came time to give statements to the cops, I told them she ran the red light, and she told them that I ran the red light. I'm 100% right about what happened. But there were no witnesses, so no one else knows who is being honest. Anyway, later in the day, my supervisor asked for copies of my DL and insurance card. My question is, should I be wary about showing them my insurance card? This doesnt really seem right.
I know I'm a million times as humble as thou art---Alfred Yankovic
Hannah Blecter  
#2 Posted : Tuesday, November 19, 2019 2:56:55 PM(UTC)
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Were you driving your personal vehicle?
Super Carrier  
#3 Posted : Tuesday, November 19, 2019 3:06:42 PM(UTC)
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No. I was driving an LLV
I know I'm a million times as humble as thou art---Alfred Yankovic
Hannah Blecter  
#4 Posted : Tuesday, November 19, 2019 3:42:19 PM(UTC)
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Do NOT give them your insurance. You are not required to carry insurance while driving an LLV. The USPS is self insured. But that is their choice, not yours. They should only need your driver's license.

Get the union involved ASAP.

Don't trust management.
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Super Carrier on 11/19/2019(UTC)
Hannah Blecter  
#5 Posted : Tuesday, November 19, 2019 3:46:03 PM(UTC)
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Direct all calls from anyone to management. Do not give out your insurance information to the other person or their insurance company. Yes, the USPS is considered to have deep pockets and so you would think others would want to go after them instead of you. But, there are many stories of those who were actually due money from the USPS and the USPS refused to pay. So it would not be surprising if the other driver's insurance company wanted to try yours.
Super Carrier  
#6 Posted : Tuesday, November 19, 2019 3:47:46 PM(UTC)
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Great advice! Thank you
I know I'm a million times as humble as thou art---Alfred Yankovic
Hannah Blecter  
#7 Posted : Tuesday, November 19, 2019 3:49:10 PM(UTC)
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I failed to ask if you are injured. Do not gloss over possible injuries. Report any issues immediately or as soon as they might appear. You might feel okay now and wake up in the middle of the night not able to move your neck (or whatever) properly. I am not saying to embellish or invent anything. Just don't ignore possible injuries whether it is your fault or another's.
Super Carrier  
#8 Posted : Tuesday, November 19, 2019 3:55:39 PM(UTC)
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No injuries! No soreness. Will see if I feel the same tomorrow.
I know I'm a million times as humble as thou art---Alfred Yankovic
roger.d  
#9 Posted : Tuesday, November 19, 2019 5:31:09 PM(UTC)
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Having been rear ended twice in an LLV, I have never been asked for my personal insurance.

And I would recommend seeing a Dr soon after any accident. Even if you feel fine. Because...

By asking for your personal insurance info, your management is making a hostile move. Protect yourself.

Edited by user Tuesday, November 19, 2019 5:32:43 PM(UTC)  | Reason: Not specified

Learn to discipline yourself, so someone else doesn't have to
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Hannah Blector on 11/19/2019(UTC), Super Carrier on 11/19/2019(UTC)
donaldworrell  
#10 Posted : Tuesday, November 19, 2019 6:37:45 PM(UTC)
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Take a copy of the police report to your insurance. They need to know you where in a traffic accident. Tell them you where driving a company truck. "usps". That way it's on file because the other guys insurance will try every way to collect. Your insurance needs a heads up.
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Super Carrier on 11/19/2019(UTC)
roger.d  
#11 Posted : Tuesday, November 19, 2019 7:21:41 PM(UTC)
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Originally Posted by: donaldworrell Go to Quoted Post
Take a copy of the police report to your insurance. They need to know you where in a traffic accident. Tell them you where driving a company truck. "usps". That way it's on file because the other guys insurance will try every way to collect. Your insurance needs a heads up.


There is no reason to report this to your personal car insurance.
Learn to discipline yourself, so someone else doesn't have to
donaldworrell  
#12 Posted : Thursday, November 21, 2019 12:11:33 AM(UTC)
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Almost all car insurance policies require you to report incidents. To the original poster read the fine print in your policy. You need to notify them you where in an incident.
postalvet  
#13 Posted : Thursday, November 21, 2019 7:39:47 AM(UTC)
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Originally Posted by: roger.d Go to Quoted Post
Originally Posted by: donaldworrell Go to Quoted Post
Take a copy of the police report to your insurance. They need to know you where in a traffic accident. Tell them you where driving a company truck. "usps". That way it's on file because the other guys insurance will try every way to collect. Your insurance needs a heads up.


There is no reason to report this to your personal car insurance.


what if the op gave out his insurance companies name to the other party?
Postal employee (retired) 38 yrs who helps even if some do not believe me! I was a Steward, officer & trouble maker. Just Sayin'
roger.d  
#14 Posted : Thursday, November 21, 2019 10:34:57 AM(UTC)
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Originally Posted by: postalvet Go to Quoted Post
Originally Posted by: roger.d Go to Quoted Post
Originally Posted by: donaldworrell Go to Quoted Post
Take a copy of the police report to your insurance. They need to know you where in a traffic accident. Tell them you where driving a company truck. "usps". That way it's on file because the other guys insurance will try every way to collect. Your insurance needs a heads up.


There is no reason to report this to your personal car insurance.


what if the op gave out his insurance companies name to the other party?


They were stupud.

Learn to discipline yourself, so someone else doesn't have to
Super Carrier  
#15 Posted : Thursday, November 21, 2019 2:42:10 PM(UTC)
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I havent given any of that info to anyone involved. Thanks for the advice
I know I'm a million times as humble as thou art---Alfred Yankovic
donaldworrell  
#16 Posted : Thursday, November 21, 2019 5:21:14 PM(UTC)
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You gave a statement to the police. They took you insurance info .? You and the other driver can get copy's of the police report. It's going to show your name address, etc and your insurance info.

You will get a call from your insurance claims department wanting info. They will know !
Super Carrier  
#17 Posted : Thursday, November 21, 2019 6:38:41 PM(UTC)
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Originally Posted by: donaldworrell Go to Quoted Post
You gave a statement to the police. They took you insurance info .? You and the other driver can get copy's of the police report. It's going to show your name address, etc and your insurance info.

You will get a call from your insurance claims department wanting info. They will know !


They didnt take my insurance info. I gave a statement. I've had 2 other accidents in 25 yrs, the 2nd most recent one happened 3 yrs ago. No one has ever asked for my insurance info. I do appreciate your advice.
I know I'm a million times as humble as thou art---Alfred Yankovic
roger.d  
#18 Posted : Thursday, November 21, 2019 7:15:19 PM(UTC)
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Every postal vehicle is required to have an accident packet in it. In the LLV'S (in my office) it is attached to the wall in front of the left side door.

In there are some documents that state that the vehicle is "self insured". Meaning th PO is responsible, not State Farm, GIECO. .....

The officer that responded to my last accident was unsure how to handle this. Granted the paperwork was disintegrated. Later, speaking with a friend on the PD, he loves the ease of the self insured accidents.

Your car insurance covers that particular vehicle in an accident. And nothing else.

Personally , I have 4 policies. Car, PU, motorcycle, and a classic 4x4. All with different coverages. None will cover me in an LLV accident.

As to if the policy requires me to report an accident in some different vehicle, friends or work, I will have to investigate that.

Edited by user Thursday, November 21, 2019 8:13:35 PM(UTC)  | Reason: Spellcheck

Learn to discipline yourself, so someone else doesn't have to
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Super Carrier on 11/22/2019(UTC)
donaldworrell  
#19 Posted : Friday, November 22, 2019 5:57:40 PM(UTC)
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I live in Illinois where you must have proof of insurance. Maybe your state is different.
John Henry  
#20 Posted : Friday, November 22, 2019 6:24:39 PM(UTC)

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Originally Posted by: donaldworrell Go to Quoted Post
I live in Illinois where you must have proof of insurance. Maybe your state is different.


The USPS insures their postal vehicles thus in a postal vehicle on duty it is insured. Now a local police officer may not know that when he is writing up a report.
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