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Different Types of Claims in Work-Related Car Accidents

August 2, 2020
Different Types of Claims in Work-Related Car Accidents

For most adults at least a third of any day is spent working. Often as part of the workday you’ll be in a vehicle, either during a commute or perhaps as part of your job and that could result in being in a car accident.

If in a car accident during work hours, it may not be clear who might be responsible for paying your medical bills or expenses related to the accident. Your options will vary depending on a number of factors, all of which the car accident attorneys at Begum Law Group can explain to you. Whether your claim will be paid under workers’ compensation or by a third-party can be sorted out by our experienced work injury attorneys.

Contact The Texas Law Giant (866) 523-4167 to discuss you work-related car accident. Consultations are free.

Workers’ Compensation

If you were in an automobile accident while working in the course and scope of your employment, likely the claim will fall under workers’ compensation. Workers’ compensation is the system that allows employers to pay premiums that cover accident expenses and lost wages of those hurt on the job and in return, employees cannot sue for personal injuries.

Typically, there is no workers’ compensation claim available if you are hurt commuting to or from work. There are some limited exceptions and that is why it’s important to discuss an accident during your work commute with our attorneys. Because workers’ comp cases are more quickly resolved, typically, than pursuing private insurance or personal injury claims, establishing your accident as work-related can get much needed cash flowing.

Personal Insurance

If workers’ comp is not available for some reason, or doesn’t cover all your expenses, you likely will be covered by your own personal injury protection (PIP) policy. Should it be found the accident was the fault of another driver, the insurance of that party could have to pay under the bodily injury liability (BIL) provision. For minor accidents, your PIP coverage could be enough, but if not, we can help you with a BIL claim against the other party. Should the at-fault driver have no insurance, you’ll need help pursuing compensation under your own uninsured/underinsured motorist (UIM) policy.

Other Possible Liable Parties

Besides workers’ compensation and insurance, a work-related car accident could be the fault of additional parties, all of whom could be responsible for paying compensation to you for your damages. For example, if the vehicle had a manufacturing/product defect, like faulty airbags, or not serviced properly, such as a bad break job.

Highway authorities that fail to properly maintain roads or fail to warn about hazards that cause your on-the-job car wreck could also be liable for your damages. Our attorneys are familiar with work-related claims of this kind and we can help determine who to pursue for the compensation you deserve after a car accident.

Remember too that if someone at your jobsite that doesn’t work for your employer causes your vehicle accident, that person, his employer, and his private insurance may be pursued.

Contact an Injury at Work Lawyer

Vehicle accidents while working are unfortunately all too common and can cause serious injuries. You may be unsure how you can make ends meet while you recover from your injuries and are stressed about where to turn for help.

Because the issues of liability and who should pay to help you recover can be complicated, you need an experienced accident and injury attorney at Begum Law Group. We will investigate the facts of your case, determine who might be at fault and responsible for your injuries, and advise you of how we can best represent you.

Call The Texas Law Giant (866) 523-4167 to schedule a free, no-risk consultation.

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