Car Crash While Working: Understanding Workers’ Comp and Third-Party Claims

Being involved in a car accident can be a frightening and confusing experience. If the accident happens while you’re working, the situation becomes even more complex. You might be wondering: Does workers’ comp cover car accidents? Do I need to file a third-party claim? This blog explores the differences between workers’ compensation and third-party claims in work-related car accidents, helping you understand which option best suits your circumstances.

Workers’ Compensation Coverage for Work-Related Car Accidents

Workers’ compensation is a mandatory insurance program that provides financial benefits to employees who suffer work-related injuries or illnesses. These include medical expenses, lost wages, and rehabilitation costs. Depending on specific circumstances, it can also cover car accidents that occur while working.

When Does Workers’ Comp Cover Car Accidents?

Generally, it covers car accidents that occur while you’re performing work duties. Here are some common scenarios:

Driving for work purposes: If you’re using your car for work purposes, such as making deliveries, running errands for your employer, or traveling to client meetings, and you’re involved in an accident, workers’ compensation might apply.
Company car accidents: If you’re driving a company vehicle and have an accident while on the job, you’re likely covered by workers’ compensation.
Work commute (with limitations): Some states offer limited coverage for accidents during your commute to and from work. However, this is not the norm and varies by state.

Benefits of Filing a Workers’ Compensation Claim

There are several advantages to filing a workers’ compensation claim after a work-related car accident, including:

No-fault system: Unlike a traditional car accident lawsuit, workers’ compensation is a no-fault system. This means you don’t have to prove the other driver was at fault to receive benefits.
Medical coverage: This covers necessary medical expenses related to your accident injuries.
Lost wage replacement: You might receive some of your lost wages while recovering from your injuries.

Limitations of Workers’ Compensation

While workers’ compensation offers valuable benefits, it’s important to understand its limitations. They are:

  • Limited compensation: Workers’ compensation benefits for lost wages are typically capped at a percentage of your average weekly earnings.
  • Pain and suffering not covered: This doesn’t compensate for the pain and suffering associated with your injuries.
  • Potential job security concerns: In rare cases, filing a claim might raise job security concerns, although this is illegal.

Third-Party Claims for Work-Related Car Accidents

Sometimes, a third-party claim might be necessary or beneficial besides workers’ compensation. A third-party claim is filed against the at-fault driver’s insurance company to recover compensation for damages beyond what workers’ compensation covers.

When to Consider a Third-Party Claim?

Here are some situations where a third-party claim might be appropriate:

  • Serious injuries: If your injuries are severe and your workers’ compensation benefits don’t adequately cover your medical expenses or lost wages, a third-party claim can help recoup additional compensation.
  • Another party’s fault: If the accident was caused by a third party’s negligence (e.g., another driver), you have the right to pursue a claim against their insurance company.
  • Pain and suffering: Third-party claims can compensate you for pain and suffering caused by the accident, something workers’ compensation doesn’t cover.

Navigate the Complexities of Insurance Claims and Coverage with Family Financial Insurance Group

Family Financial Insurance Group is committed to helping you understand your insurance coverage. Contact us today to answer your questions about workers’ compensation and guide you toward obtaining the resources you need after a work-related car accident. Remember, your health and well-being are the top priorities. Call us at 972-270-1488 – we’re here to support you!

Comments are closed.