There are many jobs that require employees to operate a vehicle. Depending on the nature of the job, this may involve occasional driving, or it may be a necessary part of the job description. Salespeople, delivery drivers, landscapers, and HVAC technicians are just a few examples of positions that require the use of a vehicle. One common question that is raised regarding on-the-road jobs is whether or not workers' compensation will cover damages after a car accident.
Job-Related Car Accident
Workers' compensation is a type of insurance that is typically provided by employers, and it can help to protect employees who are injured while on the job. In a work-related car accident, workers would be able to collect workers' compensation for medical treatment and lost wages. The term work-related, in this context, refers to any and all work performed within the scope of a worker's employment.
Ridesharing or Food-Delivery Companies
On the other hand, as more and more people turn to the gig economy for work, companies are increasingly classifying their workers as independent contractors rather than employees. This allows them to avoid providing benefits like:
- Workers' compensation.
- Health insurance.
- Paid time off.
However, these companies, like Uber and Lyft, provide car insurance for their drivers that apply so long as they are either logged into their application or actively engaged in a trip.
Does Workers' Compensation Cover Commuting?
Generally, workers' compensation covers work-related injuries suffered by employees while they are engaged in work activities. However, there are some exceptions to this rule. One such exception is injuries sustained while commuting to or from work. In most cases, these types of accidents are not considered to be work-related and therefore are not covered by workers' compensation.
Exceptions to Commuting
Distinctions and exceptions may be made regarding whether or not workers' compensation can apply to an employee commuting. If the worker was tasked with making a detour to pick supplies up or something work-related before or after arriving at the workplace, workers' compensation might apply.
Workers' Compensation Attorneys in Hollywood, Florida
Workplace accidents can be devastating, leading to serious injuries that can have a long-term impact on your health and your ability to earn an income. If you've been injured in a workplace accident, the car accident attorneys at Rosenberg & Rosenberg, P.A. can help. We will work with you to investigate the accident and gather evidence to support your claim.
If you have been injured in a workplace injury and are seeking compensation, contact us today at (888) 499-6206 or fill out our form online!