If your driving your own vehicle you get into an accident while driving to work are you covered by worker compensation?

Answer 1

• If you were doing your job at the time of the accident you should be able to file for workers compensation for your injuries and lost time at work (depending on the laws in your state).
  

• If part of your job is driving a personal vehicle and you get into a car accident do I have to use workmen's comp to cover the medical expenses? If I sue the person who was At Fault for the accident how would it all work?

• In the UK you should sue the driver responsible for the accident for all losses, expenses and any personal injuries you suffer in the RTA. This will include any medical expenses you incur which ar classed as special damages. If you have medical insurance at your work place - this may well cover the expense of your medical treatment, but this cost can still be claimed from the driver who caused the accident.

Answer 2

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.

Answer 3

Most likely yes, but what do you want to be covered for? Unless you made a material misrepresentation about how you would be using your vehicle to your insurance company. In my occupation I make house calls and as such I have a business use classification on my personal insurance policy so that there are no misrepresentation issues if an accident happens in route to a clients home or office. Yes, there is additional premium for a business use class but it sure beats a claim being denied. Consult your insurance agent to verify whether a business use class would be appropriate for your particular situation.

Answer 4

No. Only after you've reached the site and are then hurt resulting from an accident....BB