Work Vehicle Accident Covered by Workers’ Compensation
Yes — a work vehicle accident is often covered by workers’ compensation if the employee was acting within the scope of their job duties at the time of the crash. Workers’ comp is designed to cover medical expenses and lost wages for employees injured while performing work-related tasks, including driving for business purposes. However, coverage depends on when, where, and why the accident occurred.
When Workers’ Compensation Typically Covers a Work Vehicle Accident
Workers’ comp generally applies if the accident happened while you were:
- Driving a company-owned vehicle for work duties
- Traveling between job sites during your shift
- Making deliveries, service calls, or sales visits
- Running errands or tasks at your employer’s direction
- Traveling for business-related trips or meetings
In these situations, the injury is considered work-related, making you eligible for benefits such as medical care, wage replacement, and rehabilitation.
When Workers’ Comp May NOT Cover the Accident
Workers’ compensation may deny coverage if the accident occurred while:
- Commuting to or from work (the “coming and going” rule)
- Running personal errands unrelated to job duties
- Driving while intoxicated or violating company policy
- Using a company vehicle without permission
- Engaging in reckless or criminal behavior
If the employer or insurer determines the employee was not performing work-related tasks, coverage may be limited or denied.
What Benefits Are Available After a Covered Work Vehicle Accident?
If workers’ comp applies, it may cover:
- Medical treatment (hospital care, surgery, prescriptions, rehabilitation)
- Temporary or permanent disability benefits
- Partial wage replacement while you recover
- Vocational rehabilitation if you cannot return to your prior job
- Death benefits for surviving family members if the accident is fatal
Workers’ comp does not typically pay for pain and suffering — only economic and medical losses.
Can You File a Claim Against Another Driver Too?
Yes. If a third-party driver caused the accident, you may be able to file:
- A workers’ compensation claim for medical and wage benefits
- A personal injury claim against the at-fault driver for additional damages, such as pain and suffering
This is called a third-party claim, and it can increase total compensation.
What If You Were Driving Your Personal Vehicle for Work?
Workers’ comp may still apply if you were using your personal car for work-related duties, such as deliveries or traveling to job assignments. Coverage depends on whether the trip benefited your employer.
Conclusion
A work vehicle accident is often covered by workers’ compensation, but disputes can arise over whether the employee was on the job at the time of the crash. Documenting the accident, reporting it promptly, and understanding your rights can help protect your claim.
