Workers’ compensation is a form of insurance provided by an employer when employees are injured as a result of work or on-the-job accidents. In general, workers’ compensation covers a wide range of injuries; but in the case of transportation, things can be a little tricky.
While most of us would never commute to work unless it was job-related, that commute isn’t covered by workers’ comp because of a law called the “coming and going” rule. This rule limits workers’ compensation claims so employers aren’t obligated to pay for accidents or injuries caused by traveling to and from work. So if a car hits you on your way into the office, or you’re injured on your bike while traveling home, your employer is not liable.
That doesn’t mean you can’t receive workers’ comp for accidents on the road. If you’re injured while performing a task for your employer, you’re still eligible. So that means car trips to run errands, using the company truck to make a delivery, and traveling to a sales meeting would all be covered.
In addition, car accidents that weren’t your fault can be handled in other ways. (If you’re injured in an accident on the road, we can help.)
So while the coming and going rule does help limit workers’ comp claims against employers, it shouldn’t be a hindrance to you getting the compensation you deserve for your injuries.
Special rules like the coming and going rule can affect your case without you even knowing about it. Our workers’ compensation lawyers can help you sort through those rules to make sure you get the best coverage possible for your on-the-job injuries. Contact us online today to learn more or give us a call at 901-327-1212.
(Photo by Brano Hudak)