Call Us 410-781-6396 ☰ ˟
Logo
  • Main Menu
    • Home Page
    • Refer a Friend
    • Join Our Newsletter
    • Insurance Glossary
    • Leadership Team
    • Contact Us
    • About Us
    • Privacy Policy
  • Automobile
    • Automobile Insurance Information
    • Auto Insurance Quote
  • Homeowners
    • Homeowners Insurance Information
    • Homeowners Insurance Quote
  • Business
    • Business & Commercial Insurance Home
    • Commercial Auto Quote
    • General Liability Quote
    • Business Owners Policy Information
    • Business Owners (BOP) Quote
    • Builder's Risk Information
    • Builders Risk Quote
    • Small Business Insurance
  • Life
    • Life Insurance Information
    • Life Insurance Quote
  • Disability
    • Disability Insurance Information
    • Disability Insurance Quote
Icon Automobile Icon Homeowners
Icon Business
Icon Life
Icon Disability
Home > Blog > Do Car Wrecks Qualify Employees for Workers’ Compensation?
TUESDAY, DECEMBER 28, 2021

Do Car Wrecks Qualify Employees for Workers’ Compensation?

Business owners or their employees might drive on behalf of the business every day. Some might make deliveries, others might travel for meetings or to see clients. Even in this time of social distancing, travel has not stopped. Plus, working away from the traditional office is likely to increase in the future. One drawback of this is that company drivers might face accident risks when they hit the road. Should they get injured in one of these wrecks, they might have a right to workers’ compensation. Here’s why.  


Understanding Workers’ Compensation  


All states have workers’ compensation laws. Most require most employers operating within their borders to carry workers' compensation insurance. This coverage will pay restitution to employees who get hurt or sick as a result of on-the-job hazards.  


When an employee gets hurt at work, they might have to stop working while they recover. Some might not even be able to return to work in the same capacity. Therefore, they could face the risk of income insecurity. A claim on their employer’s workers’ compensation insurance can enable them to receive payment for a percentage of their lost income and medical costs. It can also help the employer avoid both paying these costs out of pocket and a potential injury lawsuit.  Man falling off ladder


How Workers’ Compensation Applies to Car Wrecks 


When you dispatch an employee driver on an errand, then they drive under your business’s authority. By driving on behalf of the business, they are performing some of their essential duties. Workers’ compensation rules will likely apply to these situations.  


Suppose, for example, that while on their way to make a delivery, another vehicle strikes your company car. The employee driver sustains a back injury that will require months of recovery. A claim against your workers’ compensation policy can provide the employee with a percentage of their lost income and medical bills. Until they return to work, they will be able to remain secure knowing that they will have a source of income.  


In workers’ compensation claims, fault often is not a factor that determines someone’s eligibility for benefits. Therefore, an employee might qualify for workers’ compensation regardless of if they or someone else causes the car wreck.  


One limit, however, is if the employee has a wreck when off the job. Even if they drive a company car full-time, wrecks occurring off the clock likely won't qualify them for a claim. Accidents while commuting to work also won't qualify for workers' comp claims. 


Keep in mind, commercial auto insurance might provide medical payments benefit. Additionally, when a wreck is a third party’s fault, the injured driver might also receive compensation from their auto liability insurance. However, the injured person’s eligibility for workers’ compensation often will not change. Check your state's specific workers' comp laws to learn more about how policies will address car accident injuries. 
Posted 7:14 PM

Tags: workers compensation insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • workers compensation insurance(13)
  • bop insurance(3)
  • business insurance(3)
  • workers compensation(2)
  • auto insurance(2)
  • workers compensation claim(2)
  • home insurance(2)
  • workers(2)
  • commercial insurance(2)
  • compensation(2)
  • renters insurance(1)
  • flood insurance(1)
  • life insurance(1)
  • general liability insurance(1)
  • osha(1)
  • bop(1)
  • repetetive(1)
  • business(1)
  • commercial(1)
  • business owners policy(1)
  • injury(1)
  • homeowners insurance(1)
  • benefits(1)
  • coverage(1)
  • motion(1)
  • car insurance(1)
  • commercial general liability(1)

View Mobile Version
Insure your needs today!
Social Social Social
Quick Links
Home
Get A Quote
Report a Claim
About Us
Our Carriers
Blog
Contact Us
Location 532 Baltimore Blvd, Suite 306
Westminster, MD 21157

Phone: 410-781-6396
Fax: 410-781-4660
Powered by Insurance Website Builder