Every day, part of your job includes driving to and from clients’ houses. You deliver goods to them, unload them and head back to your business.
The last time you made the trip, you were sideswiped by a large truck. This resulted in your vehicle going off the road and rolling. The other driver stayed at the scene, and you ended up in the hospital with serious injuries.
Now, you can work, but you aren’t sure what to do. Should you file for workers’ compensation? Is this something you take up with the other party’s insurance?
Work-related crashes are usually covered under workers’ compensation
The first thing to know is that work-related crashes are normally covered under workers’ compensation, so you should not have to worry about who will cover your medical care or the lost wages you now face.
In the case that you were hit when you were off the clock, the other driver’s insurance would be liable and your workers’ compensation coverage would likely not apply. In that case, you would pursue a claim against the other driver or their employer, depending on the circumstances.
When you’re on the clock, your workers’ compensation coverage should be there for you
Even though you’re not technically at work, you’re still on the job if you’re driving to and from your workplace doing deliveries. Since that’s the case, you’re on the clock and should be covered if you’re hit by another driver, hurt yourself while driving or even if you get hurt while unloading the equipment upon arrival at the other party’s property.
Sometimes, insurance coverage is a little complex, but your primary option will be to report your injury to your employer, to go seek medical attention and to complete a workers’ compensation application. For most people, this is the right path forward to get the compensation that is needed to cover medical care, lost wages, vocational training (if needed in the future) and other needs.
If you have any concerns about seeking workers’ compensation or are unable to do so for some reason, your attorney can give you more guidance on the steps to take next to get the financial coverage you need.