Does Workers’ Comp Cover Car Accidents on the Job?

Car accidents can happen at any time, including while you’re on the job. If you’re involved in a car accident during work hours, you might wonder if workers’ compensation will cover your injuries. This guide will help you understand the nuances of workers’ comp coverage for work-related car accidents in New York.

Understanding Workers’ Compensation

~ What is Workers’ Compensation?

Workers’ compensation is a form of insurance that provides benefits to employees who suffer work-related injuries or illnesses. These benefits typically cover medical expenses, lost wages, and rehabilitation costs.

~ Eligibility for Workers’ Compensation

To qualify for workers’ compensation, an injury or illness must arise out of and in the course of employment. This means the incident must occur while you are performing your job duties.

Car Accidents and Workers’ Comp Coverage

~ Work-Related Car Accidents

If you are involved in a car accident while performing work-related tasks, such as making deliveries, traveling between job sites, or running errands for your employer, you may be eligible for workers’ compensation benefits.

~ Commuting to and From Work

Generally, injuries sustained while commuting to and from work are not covered by workers’ compensation. However, there are exceptions, such as if you are traveling between multiple work locations or if your employer provides transportation.

Steps to Take After a Work-Related Car Accident

~ Seek Medical Attention

Your health and safety are the top priorities. Seek immediate medical attention for any injuries sustained in the accident. Make sure to inform the healthcare provider that the injury is work-related.

~ Report the Accident

Notify your employer about the accident as soon as possible. Provide detailed information about the incident, including the date, time, location, and circumstances of the accident. Timely reporting is crucial for filing a workers’ compensation claim.

~ Document the Incident

Gather evidence related to the accident, such as photographs of the scene, witness statements, and police reports. This documentation can support your workers’ compensation claim.

~ File a Workers’ Compensation Claim

Submit a workers’ compensation claim with your employer’s insurance carrier. Include all relevant medical records, accident reports, and supporting documentation. Adhering to the proper procedures and deadlines is essential for a successful claim.

Benefits of Workers’ Compensation for Car Accidents

~ Medical Expenses

Workers’ compensation covers medical costs related to the treatment of your injuries, including hospital bills, doctor’s visits, prescription medications, and rehabilitation services.

~ Lost Wages

If your injuries prevent you from working, workers’ compensation can provide wage replacement benefits. These benefits typically cover a portion of your lost wages while you recover.

~ Rehabilitation Services

Workers’ compensation may cover rehabilitation services, such as physical therapy, occupational therapy, and vocational training, to help you regain functionality and return to work.

Seeking Legal Assistance

~ When to Consult an Attorney

If you encounter challenges with your workers’ compensation claim, such as denied benefits or disputes over coverage, consider consulting with a workers’ compensation attorney. An attorney can provide valuable guidance and representation to protect your rights.

~ Understanding Your Rights

A knowledgeable attorney can help you understand your rights under New York’s workers’ compensation laws and ensure that you receive the benefits you are entitled to.

Workers’ compensation coverage for work-related car accidents can be complex.

If you’ve been injured in a car accident while on the job in New York, contact Valor Spine and Joint Rehab. Our experienced team is here to provide expert care and support your recovery. Schedule your consultation today!