Are Auto Accidents Covered By Workers Comp?

​Many people equate workers' compensation with getting hurt while working by equipment or falling. But what if one of your employees got hurt in an automobile accident? 

With an ever-increasing number of delivery services accessible due to internet commerce and food delivery, more people are working on the road. Suppose your employees are injured in a vehicle accident while on the job; you must understand their legal rights.

After an automobile accident while at work, an injured worker may file two claims: a personal injury complaint and a workers' compensation case. Workers' compensation claims cover the majority of work-related automobile accidents. 

Yet, even though workers' compensation exists, it doesn't mean you shouldn't consider filing a personal injury case. An injured employee may often receive more compensation through a personal injury case than from a workers' compensation claim.

What Are On-the-Job Accidents?
The list of possible scenarios is too long to cover here, but  overall, the accident may be deemed "on the job" if you are involved in such an unfortunate event while you are:

• On a mission for your company.
• Delivering work-related items.
• Transporting a coworker or a customer.
• Driving for a living 
• On business travel, paid by the employer

Overall, you cannot receive workers' compensation for an automobile accident while going to or from work. There are exceptions to this rule. If you or your employee stopped on your way to pick up office supplies and were involved in an automobile accident, you may be qualified for workers' compensation payments.

What If I’m At Fault For The Car Accident?
In a workers' comp claim, you or your employee will not have to establish that anybody else was responsible for the accident. Even if the automobile accident was at your side's fault, you might normally receive workers' compensation payments as long as you were traveling for a work-related reason and weren't influenced by alcohol or drugs.

Conclusion
Understanding the benefits that your workers' compensation insurance might provide for you or your employees is important. Suppose you were injured in an automobile accident while doing a work-related job or responsibility. In that case, you might be eligible for reimbursement for your medical fees and a portion of your lost pay.

At Robert Nichols Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (561) 406-6153 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.