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Your reference to "work place insurance" could mean several things. Ordinarily, if you are injured in an auto collision, the coverage provided by your own policy would come into play and would be primary (it pays first). This is first-party insurance and is sometimes called "Personal Injury Protection" coverage. The amount of this coverage is usually statutory and it is mandatory in any auto insurance policy sold, although some states do allow a deductible.

If you have medical insurance that is either provided by your employer or a medical expense insurance policy that you bought on your own that was offered via your employer (so-called "workplace insurance"--think AFLAC for example) it would also pay subject to the terms of the policy.

You also may be entitled to workers compensation medical benefits if the collision occurred within the course and scope of your employment.

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Q: Does work place medical insurance cover medical claims after automobile liability insurance is exhausted?
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