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Workers comp may cover motor vehicle accidents

On Behalf of | Feb 2, 2021 | Car Accidents, Jackson, Tennessee, Personal Injury & Workers' Compensation Law Blog |

Car commutes are a fact of life for many Americans. Some may even drive while on the clock. This detail can be the difference for those injured in a motor vehicle accident. Suppose the employee was injured and out of work for a time, or even permanently injured, Worker’s Compensation may be an option, especially if the worker was at fault – unlike personal injury claims where the responsibility lies with the negligent party. In that case, Worker’s Compensation can cover the person responsible for the injuries.

Drives where coverage is and is not likely

The circumstances of each injury are different, but some common examples of coverage include:

  • The trip involved work-related tasks or deliveries for the company.
  • The trip involved transporting a fellow worker on the job.
  • The trip involved work-related activity.
  • The driver was a remote worker who drove on the job.
  • The driver is paid to commute to work.

Notable exceptions:

  • The worker may not be covered if they were in an accident when stopping off on a personal matter or to get lunch.
  • The worker would likely not be covered if they were under the influence of drugs or alcohol at the time of the accident.

A better chance of coverage

As mentioned, Worker’s Comp does not depend upon other people’s negligence, but the carrier may still dispute the claim or the severity of the injuries. In cases such as these, a lawyer who handles Worker’s Compensation claims can be a tremendous asset. Not only can they help injured clients with the application process, but they can also defend the client’s claims if a dispute goes before a judge.

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