Does Workers’ Comp Cover Car Accidents?

Depending on the type of work you do, you may have to travel for work. Perhaps you’re a delivery driver. Or maybe you just have to visit clients from time to time. This means there’s a chance that, at some point, you could get into a car accident.

If you do get into a car accident while on the clock, you may be entitled to workers’ comp benefits. As long as you were on the clock and driving for a job-related purpose, you should qualify. This doesn’t necessarily mean your claim will be approved.

A lot of employers are skeptical of claims involving car accidents. They may doubt that you were actually doing something work-related at the time of the crash. Or they figure you were on your lunch break or personal time when the accident happened. If this is the case, they may deny your claim.

It’s one thing when you get hurt at work. If you’re on company property at the time of your injury, it’s not hard to prove it was work related. But when you’re on the road, things aren’t so clear. You may need to call a workers’ comp attorney in Columbus, Georgia. Your lawyer can make sure your claim is handled right from the very beginning.

Does Workers’ Compensation Cover Travel?

If your job involves traveling, then workers’ comp should cover car accident injuries. Whether you’re the one driving or not, if you’re on the clock at the time of the crash, it should be covered.

You could be in an Uber on the way to the airport at the time of the accident. Or maybe your company hired a car to take you to a client meeting. You could be a passenger and get injured in a car accident.

Or maybe you drive for a living. If you have your CDL and deliver packages for a delivery service, you’re on the road all the time. The odds of you getting into a car accident are much higher than other employees.

If you get into an accident while on the clock, you need to make sure you follow your company’s policy regarding work-place accidents and injuries. This means you have to do the following:

  • Call the police so you’ll have a police report
  • Seek treatment from a company approved doctor
  • Fill out any accident or incident report per your company policy
  • Make sure your Human Resource manager is aware of the accident
  • Update your employer regarding any medical treatment

When it comes to medical treatment, things can be a bit confusing for car accident injuries. If you get hurt on work premises, they can have you transported to an approved doctor. Or, if you have to go to the emergency room, they can notify the company approved doctor. They’ll make sure their doctor handles the aftercare.

But if you get into a car accident, the police are going to call an ambulance. You’ll be transported to the nearest hospital. You won’t be able to tell your employer until you’ve been treated and are well enough to talk to them. As long as your follow-up care is done by the company approved doctor you should be okay.

If your employer gives you a hard time about seeking treatment after your crash, you need to let your Columbus workers’ comp lawyer know.

How Can Your Columbus Workers’ Comp Lawyer Help?

If you get into a car accident while working, the last thing you should worry about is dealing with the insurance company. You need to get treated for your injuries. Your Columbus workers’ comp lawyer in Columbus can handle the legal side of things.

First, you may have to prove that you were on the clock at the time of the accident. The police report can help do this. It will state what time the accident happened. There may also be intersection cameras that can help prove what date and time the accident happened.

You also need to show that you were doing something work-related at the time of your accident. If your accident took place while pulling into a fast food restaurant, this will be hard to prove. Injuries that occur while you’re on lunch are not covered under workers’ comp.

Finally, your attorney can help prove that your injuries are work related. He can introduce copies of your medical records to do this.

Contact a Columbus Workers’ Comp Lawyer

If you get hurt in a car crash while working, you’re going to need medical care. You’ll also need replacement wages while you recover from your injuries.

This is why it’s important that you call a Columbus workers’ comp lawyer immediately after your accident. Your lawyer will make sure your claim is handled properly. He can also make sure you receive your workers’ comp benefits.

Call today and schedule your free initial consultation.

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