Working in your field, you often get into situations where you have to drive for work. Whether it’s driving to a client’s site or heading from your workplace to an off-site work meeting, there is always a potential that you could be driving on the job and get into a crash.
If someone hits you while you’re driving for work, the truth is that you could have a complicated situation on your hands. You could have a right to workers’ compensation, but the driver who is at fault may also be liable. It can be hard to know how to file a claim, and the last thing you want to do is to file the wrong kind.
If you’re hit while driving for work, who is covering the cost of your injuries?
If you are hit while you’re on the job, there are two possibilities for who will be responsible for your injuries. First, if the situation qualifies because you’re on the clock, you could seek compensation through workers’ compensation. Workers’ compensation is meant to cover employees who are hurt while working regardless of their location. If you’re doing a task for work, then you should be covered in the event of an auto accident. On the other hand, if you were driving home from work or on your own lunch break, then that may be a different situation completely.
The other possibility is to file a claim against the other party’s insurance. If they don’t have insurance, then you may need to file a personal injury lawsuit against them specifically. Generally, you will choose one method or the other to obtain compensation. However, your attorney can speak with you more specifically about your case and how you will want to proceed to make the most of your claims for the crash.
Will workers’ compensation always cover you when you’re hit while driving?
Not always. Usually, the accident has to happen while you’re on the job or on the clock. For example, if you’re driving to a meeting out of state and are being paid for your mileage, then the likelihood is that workers’ compensation would cover your injuries, medical care, lost wages and more. However, if you were not on the job, were not using a work vehicle and were only traveling to or from work, then the chances are that you’ll be unable to file for workers’ compensation. Every case is different, so it’s a good idea to talk to your attorney about what to expect.