Driving for work is a relatively common necessity. Some professionals spend most of their day on the road making deliveries or providing on-site services to clients. Many others have to drive occasionally while on the clock.
Motor vehicle collisions are one of the most common sources of catastrophic workplace injuries and worker fatalities. Workers involved in crashes may sometimes pursue insurance claims, especially when they can show that another driver was at fault for an incident. Employees involved in collisions may also be eligible for workers’ compensation benefits.
Why might professionals want to pursue a workers’ compensation claim after experiencing a collision while working?
Fault doesn’t matter in workers’ compensation claims
When requesting car insurance coverage, fault is one of the most important considerations. Workers’ compensation coverage is different.
Employees may be eligible for medical coverage and disability benefits even if they caused the collision. In other words, workers’ compensation coverage may apply when standard car insurance does not.
There are fewer policy limits that apply
Workers’ compensation can cover all of the necessary medical costs for job-acquired injuries. Workers may also be eligible for disability benefits that help supplement reduced income or replace lost income.
Car insurance claims are typically subject to strict policy limits. Regardless of how many losses people suffer, the insurance company never pays more than the policy limits that apply. During a workers’ compensation claim, injured professionals may be able to access more robust compensation when they have significant lost income and major medical expenses.
Recognizing why workers’ compensation claims can be beneficial even when other insurance applies can help injured workers assert themselves. Disability and medical benefits can make a major difference for those dealing with the aftermath of a serious crash.