Workers' Compensation For Work-Related Auto Accidents

Your company may require employees to drive for work. What happens, though, if they’re injured in a vehicle accident? Workers’ Compensation may provide benefits and allow you to protect your employees and your company.

Define Work-Related Driving Jobs

Workers’ Compensation benefits vary by state. However, most states only provide benefits for employees who suffer an injury while performing work-related duties.

In most cases, your employees are covered by Workers’ Compensation if they drive a company car or their personal vehicle for these work purposes.

  • Make deliveries or run errands.
  • Transport another employee.
  • Drive to or from a work site.
  • Travel for work.
  • Perform sales duties and don’t have a fixed office.
  • Receive travel time pay as part of their work benefits.
Employees cannot file a claim for car accidents that occur during their daily commute or during an unpaid lunch break. Exceptions include if employees run an errand for their boss or purchase company supplies during their commute.

Review Personal Injury Claims

Employees who suffer an auto accident that’s caused by another driver may file a personal injury claim. This claim could be filed through the other driver’s auto insurance policy or via a personal injury lawsuit.

Claims filed through insurance will be completed at the time of the accident. Personal injury lawsuits can be filed up to five years later depending on your state’s laws.

If your injured employees decide to file a personal injury claim, they could receive medical bill compensation and other financial benefits, including pain and suffering damages. Funds from a personal injury claim could also cover vehicle damages.

How to File Workers’ Compensation for Auto Accidents

Employees who are injured in auto accidents may report the injury immediately and file a Workers’ Compensation claim. These benefits usually cover qualified medical bills and lost wages as the employee recovers.

Workers’ Compensation benefits can be paid no matter who was at fault for the accident. Covered employees must be performing work-related duties and cannot be under the influence of drugs or alcohol or performing a crime at the time of the injury.   

In addition to Workers’ Compensation, injured employees can file a third-party personal injury claim. Your company could place a lien against the Workers’ Compensation benefits, though, and require employees to reimburse the company if they receive money from a personal injury claim settlement.

Employees who are injured in an auto accident while they perform work duties could file a Workers’ Compensation claim. Review your company’s specific policy to ensure it provides this important coverage.
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