Workers’ compensation is a special type of insurance held by businesses to cover injuries sustained by employees while on the job. In some circumstances, this coverage also extends to injuries caused by motor vehicle accidents. Here’s what you need to know about which type of accidents qualify.

4 Commonly Asked Questions About Workers’ Compensation & Car Accidents

When is a car accident covered by workers’ compensation?

If you are injured in an accident while performing work-related duties, the cost of medical care and any lost wages will likely be covered. Activities related to work may include making deliveries, running errands, traveling for a business trip, or visiting a client. Yet, accidents during your commute to or from work are generally not covered.

What if you were at fault for the accident?

Workers’ compensation is a unique type of insurance in which it doesn’t matter if the employee was at fault; they will still be covered in the event of the accident. This applies not only to motor vehicle accidents, but also other types of on-the-job injuries, such as slips and falls.

What if you caused other damages?

If you were at fault for an accident resulting in others’ being injured or property damage, you or your employer may be held liable. Typically, some form of negligence must be proven, such as failure to yield to oncoming traffic. Yet, even if you are found to be at fault, your employer’s liability insurance may protect you from third-party litigation.

Could you also file a personal injury claim?

Even if the cost of your medical bills and missed wages are covered by workers’ compensation, you may still wish to pursue legal action for additional damages, such as pain and suffering, if another party was at fault for the accident. In such scenarios, you could explore the option of a personal injury claim against the other driver or whoever is believed to be at fault.

If you need assistance with a workers’ compensation or personal injury claim, allow Vincent J. Criscuolo & Associates to help. Serving Rochester, NY, this dedicated team is committed to providing top-notch representation to promote the best possible outcomes for their clients. Find out more about their approach to cases concerning work-related injuries on their website, or call (585) 232-3240 to schedule a consultation.