If you are involved in a car accident, you might believe that your car insurance provider will be responsible for paying for your injuries and the damage done to your car. However, if your accident occurred while you were at work, you may actually be entitled to workers' compensation benefits.
Car Accidents That Occur While On the Job
If you are performing a delivery, visiting a client, or performing any other task that is relevant to your job, you may be entitled to compensation from your employer for your injuries. Workers' compensation benefits are only awarded when an injury occurs within the scope of employment.
There are many situations where you might be surprised that you'll be qualified for workers' compensation. For example, if you are being paid to drive to and from work, your injuries might still be considered work-related. If you are asked to transport another employee, this can also be a justification for being qualified for workers' compensation insurance.
Deviations from the Normal Work Route
If you are making a deviation from the normal route that your employer asked you to take, an accident that occurs may not be covered under your insurance provider. For example, if you use your delivery route to pick up your mail, this can be used as an excuse to deny your claim.
Benefits of Filing a Workers' Compensation Claim
If you were responsible for the accident, your insurance provider would normally be responsible for paying for damages. However, a workers' compensation program is a no-fault system. Therefore, you will be able to receive benefits regardless of the circumstances that lead to the crash.
However, if the other driver is at fault for the accident, you will have the right to seek compensation from the at-fault driver. However, you should speak with a workers' compensation lawyer about whether this is the right next step.
Seeking Workers' Compensation
In many cases, the workers' compensation insurance provider will simply payout for your injuries. However, some workers' compensation insurance providers will suspect that you filed a fraudulent claim and will make sure to do everything possible to deny your claim. Not only might they argue that your injuries were not work-related but they might also argue that you are not as injured as you claim. To fight for your right to compensation, make sure to speak with a workers' compensation lawyer as soon as possible.