Vehicle accidents can happen in any work setting, from delivery drivers to construction workers traveling between job sites. If you’ve been injured in a vehicle accident while performing work duties, you may be eligible for workers’ compensation benefits. Understanding your rights and how to file a claim can help you recover physically and financially.
When Are Vehicle Accidents Covered by Workers’ Compensation?
Workers’ compensation covers injuries sustained while performing job-related duties. For vehicle accidents, coverage generally applies if the accident occurs during:
- Delivering goods or services as part of your job
- Traveling between job sites
- Running errands at your employer’s request
- Operating a company vehicle for work purposes
- Attending work-related meetings, events, or training sessions
However, workers’ compensation typically does not cover accidents that occur during your commute to or from work unless you are traveling for a work-related purpose, such as picking up supplies or attending an offsite meeting.
Steps to Take After a Work-Related Vehicle Accident
1. Seek Medical Attention Immediately
Your health and safety are the top priorities. Even if your injuries seem minor, seek medical evaluation as soon as possible. Some injuries, such as whiplash or internal trauma, may not present symptoms immediately. Inform the medical provider that your injury occurred during work-related duties to ensure proper documentation.
2. Report the Accident to Your Employer
Notify your employer about the accident as soon as possible, providing details about the incident, such as the time, location, and circumstances. Failing to report promptly may jeopardize your workers’ compensation claim. Provide a written account if required, and keep a copy for your records.
3. Document the Accident
Gather evidence to support your claim. Take photos of the accident scene, vehicle damage, and any visible injuries. If possible, collect contact information from witnesses and obtain a copy of the police report. These records can strengthen your case and help prove the accident occurred during work-related activities.
4. File a Workers’ Compensation Claim
Your employer should provide you with the necessary forms to file a workers’ compensation claim. Complete these forms thoroughly and accurately, and submit them within the required timeframe. Keep a copy of all documents for your records.
5. Consult a Workers’ Compensation Attorney
Vehicle accident claims can be more complex than other types of workplace injury claims, particularly if third parties are involved or your employer disputes the claim. An experienced workers’ compensation attorney can guide you through the process, gather additional evidence, and advocate for your rights.
Benefits Available Through Workers’ Compensation
If your claim is approved, workers’ compensation may provide the following benefits:
- Medical expenses: Coverage for hospital visits, surgeries, medications, physical therapy, and other necessary treatments.
- Lost wages: Temporary disability benefits to replace a portion of your income while you recover.
- Permanent disability benefits: Compensation for long-term or permanent impairments caused by the accident.
- Vocational rehabilitation: Support for job training or placement if you are unable to return to your previous role due to your injuries.
These benefits aim to help you recover and regain financial stability after a work-related vehicle accident.
Can You Pursue a Third-Party Claim?
In some cases, a third party may be responsible for the accident, such as another driver or a manufacturer of a faulty vehicle part. While workers’ compensation benefits cover your immediate needs, you may also be able to file a third-party liability claim to seek additional compensation for damages not covered by workers’ compensation, such as pain and suffering. Consult an attorney to explore this option and determine if it applies to your case.
Common Challenges in Vehicle Accident Claims
Work-related vehicle accidents can present unique challenges, including:
- Disputes over work-relatedness: Employers or insurers may argue the accident was not related to your job duties.
- Delays in reporting: Failing to report the accident promptly can result in claim denial.
- Insufficient evidence: Lack of documentation or witness statements can weaken your case.
A workers’ compensation attorney can help address these challenges and ensure your claim is handled properly.
Protect Your Rights After a Work-Related Vehicle Accident
Workplace vehicle accidents can leave you with significant physical, emotional, and financial burdens. By understanding your rights and following the proper steps, you can secure the workers’ compensation benefits you need to recover and move forward. For guidance on your case, contact PLBH at (800) 435-7542 for expert legal assistance.