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Does workers’ comp apply after a job-related car wreck?

On Behalf of | Mar 6, 2023 | Workers' Compensation

Some jobs primarily involve driving. There are those who drive school buses or delivery vehicles. There are others who work as personal shoppers or sales professionals who might also frequently drive while working. Any of these professionals are at a heightened risk of sustaining severe injuries due to a crash while working.

Every trip in a motor vehicle is an opportunity for a crash to occur. Collisions are rare when broadly assessing the number of trips people make and the miles they travel, but they are still a serious safety concern. Car crashes are a leading cause of death among Americans of all ages, and they are also a top cause of workplace injuries and fatalities. In the event that workers sustain occupational harm in motor vehicle crashes, it’s important for them to understand their options for financial recourse.

Workers’ compensation can cover crash injuries

Regardless of who is to blame for the crash, if it occurred when someone was at work, then they likely have grounds for a workers’ compensation claim. They can secure full coverage for their medical treatment and also disability benefits until they can return to work as long as they are covered by workers’ comp insurance. In some ways, workers’ compensation can be a better option than medical coverage or car insurance, as it won’t have deductibles or maximum coverage limits for medical care.

An injured worker coping with the aftermath of a crash on the job may also need to pursue a car insurance claim to cover property damage losses and the lost wages that workers’ compensation will not cover. In some cases, workers can even pursue a personal injury lawsuit against the driver who was at fault or a third party that may be held liable for the crash.

There are also state paperwork requirements for those pursuing a new workers’ compensation claim. Notifying the appropriate parties in a timely manner is of the utmost importance for someone affected by a car crash while working. Learning more about workers’ compensation coverage and job risks can help those who participate in some of the riskier workplace activities, like driving while they are on the clock.