If I am in an Accident While Driving for Work, do I File a Workers’ Comp Claim?
Depending on the situation, you may be entitled to workers’ compensation benefits for car accidents that happen at work or in the course of performing your job.
Car accidents can happen to even the most experienced drivers. Injuries you suffer as the result can leave you unable to work or provide for yourself and your family, while facing heavy medical costs and other expenses. When these accidents occur in the course of your job or while performing work-related tasks, you may be entitled to workers’ compensation benefits. Before making any statements to the insurance company or accepting any settlements, speak to our Missouri workers’ compensation attorneys first.
Workers’ Compensation for Car Accidents in Missouri
According to the Missouri State Highway Patrol, roughly 50,000 people are injured in car accidents throughout the state each year. More than 3,000 of these crashes involve commercial vehicles, such as trucks, tractor trailers, and delivery vans. Thousands more are likely to involve people who routinely operate motor vehicles for work-related purposes.Even a minor crash or ‘fender bender’ can leave you suffering serious injuries, which may result in permanent disabilities while requiring ongoing care. Fortunately, benefits available through the Missouri Division of Workers’ Compensation can help in these situations, offsetting your lost wages, medical expenses, and other costs you incur. Key issues involved in these cases is whether you were required to drive as part of your job. Examples of those who may be entitled to benefits include:
- Drivers transporting products and materials between manufacturers and job sites;
- Drivers transporting workers, clients, or others to and from airports and between work and other locations;
- Those required to drive for work related purposes, such as calling on clients, visiting local and regional officers, or providing services to customers.
You may be entitled to workers’ compensation in Missouri regardless of whether or not you were using your own vehicle or whether you were the driver or a passenger involved in a crash.
What to do in the Event of a Work-Related Car Accident
Whether you are operating a vehicle for your own personal purposes or as a part of your job, the Missouri Department of Insurance advises that you are still responsible for maintaining insurance coverage. When a crash occurs, follow the same procedures as you would any other type of car accident:
- Notify law enforcement;
- Exchange information with other drivers involved;
- Get medical attention for your injuries;
- Notify your insurer right away.
For a work-related car accident, inform your employer immediately, fill out an accident report, and request to file a workers’ compensation claim.
Our Missouri Workers’ Compensation Attorneys are Here to Help
Unfortunately, it is not uncommon for employers to try and dispute claims regarding car accidents. To protect your rights to compensation, it is important to reach out to our Missouri workers’ compensation attorneys right away. Call or contact Morrison, Webster & Carlton, Attorneys at Law today and request a free consultation to discuss how we can protect you in your claim.