What happens if you’re in an accident while on the job?
Driving a company car, truck or van is a daily occurrence for many employees. As someone who drives as a part of their job, you’re at an increased risk to be involved in a motor vehicle accident simply by the fact you’re on the road a lot. So, what happens if you’re in a car accident while on the job?
If you’re involved in an automobile accident while on the job you have 2 types of legal claims available to you. The first is a workers’ compensation claim. In a nutshell, if you’re injured on the job workers comp is responsible for paying all your accident-related medical expenses. Moreover, they will also be obligated to pay you a portion of your average weekly wage while you’re out of work.
The second type of claim is a claim against the at-fault driver of the car accident, which is often known as a 3rd party case. Further, if the at-fault driver does not have any insurance coverage or if your injuries and damages in the wreck exceed the insurance policy limits of the at-fault driver you can make also make a claim for uninsured or underinsured motorist coverage.