If there is one thing that insurance companies have in common, it is that they do not like to compensate claims unless they are absolutely required to do so under the circumstances at hand. From a business perspective, this makes sense. If a policy does not provide coverage or if someone else’s insurer should be on the hook instead, insurance companies are not going to dole out money.
One situation where insurance companies frequently get into disputes over liability is when an auto accident involves a commercial vehicle or a driver who was on the clock at the time of the accident. In these types of cases, the injured worker may be entitled to recovery under their employer’s workers’ compensation policy.
Workers’ Compensation Insurance and Vehicle Collisions
New Jersey’s Department of Labor and Workforce Development requires all employers meeting certain criteria to maintain workers’ compensation insurance (or self-insure) to cover their employees in the event of a work-related accident. When an employee’s job takes them on the road, their employer’s workers’ compensation insurance may apply instead of the at-fault driver’s personal auto liability policy. Just like auto insurance, workers’ compensation can cover your medical bills, lost wages, and other accident-related losses.
The following are examples of common situations where it may be possible to obtain workers’ compensation for a vehicle collision.
• Work errands, meetings, and company events – Running errands for your job, driving to meetings, and attending off-site company events are all typically situations where your employer’s workers’ compensation insurance would apply.
• Traveling for business – Workers’ compensation insurance is intended to cover all injuries sustained in the course of an employee’s performance of their job-related duties. This includes injuries sustained on business trips and local travel.
• When driving is your job – If your company vehicle is your workplace, workers’ compensation benefits may be available for any accidents that occur while you are on the clock.
If you have been involved in an auto accident involving one of these scenarios, it is important to identify the responsible parties and determine if you may be able to obtain workers’ compensation. You are entitled to compensation for your injuries – Petro Cohen can help you fight through the red tape and ensure that you receive the compensation you deserve.
If You Have Been Injured in an Accident, Call Petro Cohen
The attorneys at Petro Cohen represent injury victims in auto accident insurance settlements and litigation throughout the State of New Jersey. To schedule a free initial consultation, contact the firm today by calling or filling out our online contact form.