Company Vehicle Accident: Who Pays?

Company vehicle accidents create complex insurance situations. Here's who may be responsible for paying your damages:

Your Employer's Workers' Comp Insurance

If you were working at the time of the accident, your employer's workers' comp insurance should cover:

• All medical treatment
• Partial wage replacement
• Vocational rehabilitation if needed

The Company's Commercial Auto Policy

Your employer's commercial auto insurance may provide additional coverage, especially if:

• You have injuries that exceed workers' comp benefits
• A third party was injured and sues
• Property damage occurred

The At-Fault Driver's Insurance

If another driver caused the accident, their liability insurance should pay for:

• Your pain and suffering
• Your full lost wages (workers' comp only pays partial)
• Future medical expenses
• Other damages

Your Own Insurance

Your personal auto policy may also provide underinsured/uninsured motorist coverage if the at-fault driver doesn't have enough insurance.

Getting Maximum Recovery

The key is knowing how to coordinate all these policies. We handle the workers' comp claim while our Personal Injury colleagues pursue the at-fault driver. You get paid from every available source.