My employee was driving a company vehicle, got into an accident, and was injured. Should the auto insurance handle the claim, or would workers’ compensation cover this instead?
Usually, auto insurance would cover the initial injuries from the accident. But for ongoing medical care or lost wages, workers’ comp might come into play.
Dakota said:
Usually, auto insurance would cover the initial injuries from the accident. But for ongoing medical care or lost wages, workers’ comp might come into play.
Exactly. Workers’ comp covers any time off and medical care if it’s work-related.
Dakota said:
Usually, auto insurance would cover the initial injuries from the accident. But for ongoing medical care or lost wages, workers’ comp might come into play.
Auto insurance can cover damage to the vehicle, but workers’ comp is there for the employee’s health costs.
Depends on the state, but both could be involved. Workers’ comp covers injuries on the job, and auto insurance might cover liability and immediate medical expenses.
Reese said:
Depends on the state, but both could be involved. Workers’ comp covers injuries on the job, and auto insurance might cover liability and immediate medical expenses.
Yeah, good point. If they were working, it’s likely both coverages will apply.
Reese said:
Depends on the state, but both could be involved. Workers’ comp covers injuries on the job, and auto insurance might cover liability and immediate medical expenses.
Workers’ comp is usually for any injuries during work hours, no matter the cause.
If they’re on sick leave now, workers’ comp could help cover lost wages. Auto insurance might not handle that part.
Drew said:
If they’re on sick leave now, workers’ comp could help cover lost wages. Auto insurance might not handle that part.
Right, auto insurance focuses on the accident, but workers’ comp covers the employee’s recovery.
Drew said:
If they’re on sick leave now, workers’ comp could help cover lost wages. Auto insurance might not handle that part.
And some policies might have different limits or rules. Worth checking both.
I’d check both policies—sometimes there’s overlap, and it’s good to know what each one covers for work-related incidents.
Ainsley said:
I’d check both policies—sometimes there’s overlap, and it’s good to know what each one covers for work-related incidents.
Good call. Some auto policies have exclusions, so it’s worth knowing what’s covered.
Ainsley said:
I’d check both policies—sometimes there’s overlap, and it’s good to know what each one covers for work-related incidents.
True. Workers’ comp should take care of anything tied to the job.
If the accident happened on the job, workers’ comp should cover medical and lost wages. Auto insurance might just handle vehicle repairs or liability.
Mal said:
If the accident happened on the job, workers’ comp should cover medical and lost wages. Auto insurance might just handle vehicle repairs or liability.
Yep, workers’ comp is generally the go-to for injuries while working.
Mal said:
If the accident happened on the job, workers’ comp should cover medical and lost wages. Auto insurance might just handle vehicle repairs or liability.
Agreed. It’s there to protect employees injured during work hours.