Will Workers Comp Cover a Car Accident at Work?
Car accidents are serious and can happen any time you’re behind the wheel. When you’re driving for your profession, then, you run the risk of having a serious accident at work.
When this happens, you need your workers compensation insurance to cover the injuries or disability you’re now suffering from. Workers are entitled to their benefits and time off if they are badly injured, and your accident should be covered.
But you may wonder whether workers comp will cover a car accident at work, even if it’s off-site? For many cases, the answer is yes. Being prepared for pushback, however, is important to any workers compensation case. For help, contact a workers comp lawyer at our firm.
Fault and Workers Compensation
First, keep in mind that workers compensation is a “no-fault” system of coverage. No matter who caused the accident, you should be eligible for compensation.
There are only a few cases where you won’t be covered. If you caused your accident intentionally, for example, or if drugs and alcohol were involved, you could lose part or all of your workers compensation benefits.
Injuries Covered by Workers Compensation
If you are injured in a work accident, you almost always have the chance to receive your workers compensation benefits. Workers compensation covers nearly any accident related to work. If you get sick because of hazardous materials at work, for example, you are covered.
Likewise, if you are injured in a car accident and it’s a part of your work duties to drive, you should be compensated. If you are a delivery driver, for example, or if you operate an 18-wheeler, and you’re hurt in a car crash, your employer’s work comp insurer should provide the benefits you need to get back on your feet.
Keep in mind, however, that this is only viable if you’re acting within your employment boundaries. For example, if you’re a truck driver, and you’re drinking or otherwise are not acting within certain parameters, your benefits will not cover these injuries.
Call a Workers Comp Lawyer
If you’re concerned about whether workers comp will cover a car accident at work, working with us can give you peace of mind as you deal with the workers comp claim process. We understand how difficult it can be to fight a workers comp denial without legal experience, and we’re ready to help.
It’s important to keep in mind, however, that every case is different. If you still have questions about your case and we didn’t answer your questions here, reach out to Craig Swapp & Associates. We offer free, no-strings-attached consultations so you can get your questions answered and your case back on track.
If you’re interested in working with our firm, we’re ready to hear your story. Give us a call at 1-800-404-9000 or fill out our contact form below.