Work-related auto accidents can be complex and challenging to navigate, especially when it comes to securing the compensation you deserve. If you’ve been injured in a car accident while on the job, understanding your rights and knowing when to file for workers’ compensation is crucial.
Understanding Work-Related Auto Accidents
Work-related auto accidents occur when an employee is injured in a car accident while performing work-related duties. These accidents can occur while driving a company vehicle, running errands for your employer, or commuting to and from work if your job requires you to travel. Your regular commute to and from your office would not warrant a workers’ compensation claim. Common causes of work-related auto accidents include distracted driving, speeding, adverse weather conditions, and vehicle malfunctions.
When to File for Workers’ Compensation
If you’ve been injured in a work-related auto accident, you may be eligible for workers’ compensation benefits. It’s essential to understand when to file for workers’ compensation to ensure you receive the financial support you need during your recovery. Here are some scenarios in which you should consider filing for workers’ compensation.
Injuries Sustained While Driving a Company Vehicle
If you’re involved in a car accident while operating a company-owned or -leased vehicle for work purposes, you may be entitled to workers’ compensation benefits. This includes delivery drivers, truck drivers, and employees who use company vehicles for transportation as part of their job duties.
Accidents During Work-related Travel
If your job requires you to travel for work, any injuries sustained while traveling to or from job sites, client meetings, or business-related events may be covered under workers’ compensation. This includes injuries sustained during your commute if you’re traveling to a location other than your regular workplace.
Errands and Tasks Assigned by Your Employer
If you’re injured while running errands, making deliveries, or performing tasks assigned by your employer, you may be eligible for workers’ compensation benefits. This can include accidents that occur while picking up supplies, making bank deposits, or attending off-site meetings on behalf of your employer.
Injuries Caused by the Negligence of Another Driver
If you’re involved in a car accident while on the job and the accident was caused by the negligence of another driver, you may be entitled to workers’ compensation benefits in addition to pursuing a third-party liability claim against the at-fault driver.
Filing for Workers’ Compensation
If you’ve been injured in a work-related auto accident, it’s essential to take the following steps to protect your rights and ensure you receive the compensation you deserve.
Seek Medical Attention
After a work-related auto accident, it’s essential to seek prompt medical attention for any injuries you’ve sustained. Even if your injuries seem minor at first, it’s crucial to have them evaluated by a healthcare professional to determine their severity and ensure you receive appropriate treatment. Be sure to inform the medical provider that your injuries are work-related, as this will be important for documenting your workers’ compensation claim.
Report the Accident Promptly
It’s crucial to report the auto accident to your employer as soon as possible after it occurs. Most states have specific deadlines for reporting work-related injuries, so be sure to notify your employer within the required timeframe. Failure to report the accident promptly could result in a denial of your workers’ compensation claim.
Document the Details of the Accident
Keep detailed records of the circumstances surrounding the auto accident, including the date, time, and location of the incident, as well as any contributing factors such as adverse weather conditions or road hazards. If possible, take photographs of the accident scene and gather contact information from any witnesses.
Complete the Necessary Paperwork
Your employer or their insurance carrier will likely provide you with forms to initiate the workers’ compensation claims process. These forms may include a claim form, medical authorization forms, and any additional documentation required by your state’s workers’ compensation system. Be sure to complete these forms accurately and thoroughly, providing all requested information about the accident and your injuries.
Follow Up with Your Employer
After submitting your workers’ compensation claim, follow up with your employer to ensure that they’ve received all necessary documentation and that your claim is being processed promptly. If you encounter any delays or difficulties during the claims process, don’t hesitate to reach out to your employer or their insurance carrier for assistance.
Keep Thorough Records
Throughout the workers’ compensation claims process, it’s essential to keep thorough records of all communications, medical appointments, and expenses related to your injury. This includes copies of medical bills, receipts for out-of-pocket expenses, and records of any missed work due to your injuries. These records will be invaluable for documenting the extent of your injuries and losses and supporting your claim for workers’ compensation benefits.
Choose Erwin, McCane & Daly
Work-related auto accidents can have serious consequences for injured employees, both physically and financially. If you’ve been injured in a car accident while on the job, it’s essential to understand your rights and take action to protect your interests. By knowing when to file for workers’ compensation and seeking legal guidance when needed, you can ensure you receive the compensation you deserve for your injuries and losses. At Erwin, McCane & Daley, we offer free consultations and no upfront costs. Our fee is determined when we secure a successful outcome for your claim, allowing you to concentrate on what’s important. Visit our website for more information or to get in touch with our team today.
