Getting into a car accident may result in serious and life-altering injuries, as can an incident on the job site. Is there a way workers’ compensation insurance may cover your crash injuries?
Under Pennsylvania’s workers’ compensation laws, if you get hurt during the ordinary course of business, the insurer may cover your medical bills and loss of income. Car accidents may deviate from this in some instances. Find out when a crash does and does not count for workers’ compensation benefits.
You get hit on your way to or from work
Many car accidents occur during rush hour traffic. This is perhaps due to the larger number of cars traversing the same busy Pennsylvania roads around the same few hours a day. If you find yourself the victim of a crash while commuting to or from work, it falls under personal injury and not workers’ compensation.
Your boss asked you to run an errand
You may not often find yourself going offsite for lunch, but once in a while, you get the chance. When a car accident happens while off the clock, the workers’ comp insurer usually does not cover it. However, if your boss asked you to run an errand while you are out, and the crash occurs while you are on your way to or from the errand, it should qualify for workers’ compensation coverage.
Your company holds a mandatory meeting offsite
A meeting or training that requires you to drive offsite is a work event. Thus, if you have an accident while going to or from this meeting, the workers’ compensation insurer may cover it. Mandatory offsite events extend the coverage of workers’ compensation to the travel.
Getting the benefits you deserve in the wake of an accident is integral to your recovery.
