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Does company insurance or Workman's Comp cover car accidents while working?
Wiki User
Answered 2015-07-15 21:50:05
If you were truly injured you probably are covered by your employer. Your car is a different matter though, and workmans compensation certainly won't pay for that.
You have every right to obtain an atty. w/ the expectations of a victory. Even if you are having no luck w/ the ins. co.'s your company is 100% liable for both your physical and vehicle damage loss being as though you were on the job.
I do a lot of errands where I work banking etc. my boss purchased a separate insurance policy to cover my driving while working for him. It was very inexpensive and solved a lot of problems.
you boss bought a non-ownerd auot liabilit not anything esle. this provides liability for the business when you drive.
In the UK - the answer to this question depends on how the RTA that occurs for example:
1. If the vehicle had a defect which cuased your accident your employer is liable. The car is work equipment and a employer has strict liability for accidents from such defects.
2. If the accident was caused by the employee - the employer will have insurance to cover the other innocent driver's injuries, but proabably no the employees.
3. If the RTA was caused by the other driver - the other driver's insurance will pay for the employees injuries.
ANSWER
Your employer is mandated by law to carry Worksman Comp Insurance, which covers you for all injuries on the job, unless, you commited deliberate and negligent act. In this case your claim may be denied.
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