WEDNESDAY, DECEMBER 16, 2020
 Car Wrecks and Workers’ Compensation
People drive for work all the time, and when they do, they put both themselves and their business at risk of the ramifications of accidents. If the business owner or their employees get hurt in a work-related accident, then they could qualify for workers’ compensation. It is a critical benefit that could come in handy when someone heeds help during their recovery.
However, workers’ compensation benefits are tightly regulated by both state law and the employer’s insurance provider. Therefore, not all vehicle accidents will be covered. Still, should a wreck occur, and should injuries result, then workers’ comp might be an option.
Understanding Workers’ Compensation
When someone gets hurt at work, they might face medical bills and other recovery costs. They might also not be able to work during their recovery, which could lead them to face lost income that will only tighten their financial constraints.
Workers’ compensation benefits are designed to help qualifying employees replace that lost income and cover their medical expenses, regardless of whether the business was at fault for the injury. Therefore, the employee will be able to manage their recovery without a huge financial challenge. There are many accidents that might qualify employees for workers’ compensation, including vehicle accidents.
How it Applies to Car Accidents
Workers’ compensation is designed to protect people who get hurt through the course of their working duties. Therefore, if an employee drives for business, then they are performing part of their duties. As a result, they will likely qualify for workers’ compensation.
Still, though commercial driving takes all shapes and forms, only certain situations might qualify drivers for workers’ compensation. You might qualify for benefits if an accident occurs in the following cases:
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Driving to visit different work sites or to visit clients.
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If you work from home, but drive to an office and are reimbursed for gas & mileage.
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Doing an errand for your boss in your personal car.
Generally, you will not qualify for workers’ comp during your commute or if you leave work on a personal errand, such as to get work. Additionally, if you drive a company car on personal time, then you might not qualify because you were not working though you were driving a business-owned vehicle.
A further perk about workers’ compensation is that it covers you regardless of who was at fault for the accident. Therefore, whether you or another driver was responsible for the wreck, you might still qualify to file for workers’ compensation benefits. Additionally, your business’s commercial auto insurer might also provide medical care coverage, so don’t hesitate to work with them to coordinate benefits.
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