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When is a car accident covered under workers’ comp?

Nov 30, 2022 | Workers' Compensation

If you are injured in a car accident while on the job, is your injury covered under workers’ compensation? The answer is – it depends on the situation. 

So when are car accidents covered under workers’ comp and when they are not? Here’s what you should know and how you should act after an accident:

Car accidents can result in serious injuries

Car accidents are one of the leading causes of injuries in the United States. Common injuries that occur in car accidents include:

  • Whiplash
  • Cuts and bruises
  • Broken bones
  • Concussion

Generally, car accidents that occur while an employee is on the job are covered by workers’ comp. This includes accidents that happen while the employee is driving for work-related purposes, such as running errands or making deliveries. 

There are some exceptions, however. For example, the accident would not be covered if the employee were driving for personal reasons, such as commuting to and from work. Additionally, if the employee were engaged in illegal activity at the time of the accident, such as speeding or driving under the influence, then workers’ comp would not apply. 

If you are injured in a car accident while on the job, it is essential to seek medical attention as soon as possible. Be sure to inform your physician that the injury was sustained while on the job, as this will ensure that your medical records reflect this information. You must also notify your employer of the accident and your injuries. 

Once a workers comp claim is filed, you should begin receiving benefits for your lost wages and medical expenses. 

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