Injured in a Work Truck Accident That Wasn't Your Fault? Here's What Most People Don't Know

You were driving a company truck - or your own vehicle for work - when another driver ran a red light, rear-ended you, or caused a crash. It clearly wasn't your fault. Now you're hurt, missing work, and wondering what comes next.

Here's what most people don't know: you likely have two completely separate claims, and pursuing only one leaves money on the table.

The Two Claims Explained

Workers' Compensation	Third-Party Personal Injury
Pays regardless of fault	Requires proving the other driver's fault
Covers medical bills	Covers medical bills
Pays ~66% of lost wages	Pays 100% of lost wages
No pain & suffering	Includes pain & suffering
No jury trial	Can go to jury trial
Filed against your employer's insurance	Filed against the at-fault driver's insurance

Common Work Truck Accident Scenarios

We see these situations constantly:

Delivery Drivers

You're driving a delivery route when another vehicle crashes into you. Whether you drive for Amazon, FedEx, UPS, a local company, or deliver food - if it happened during work hours, you have two claims.

Service Technicians

HVAC techs, plumbers, electricians, cable installers - you spend your day driving between jobs. A crash on the way to a service call is a work injury with third-party liability.

Construction Workers

Driving between job sites or to pick up materials when another driver causes a crash. Plus, work zone crashes often involve additional negligent parties.

Sales Representatives

Traveling to meet clients when you're hit. Your employer's workers' comp covers you, and the at-fault driver owes you damages.

Healthcare Workers

Home health aides, visiting nurses, and medical equipment delivery drivers are on the road constantly. A crash during your work route qualifies for both claims.

What About My Employer's Commercial Insurance?

If your employer has commercial auto insurance on the work truck, that's a separate policy that may provide additional coverage - especially if the at-fault driver was uninsured or underinsured.

The key is coordinating all available insurance sources:

1. Your employer's workers' compensation
2. The at-fault driver's auto insurance
3. Your employer's commercial auto policy (UM/UIM coverage)
4. Your own personal auto policy (in some cases)

The Mistake That Costs People Thousands

The most common mistake? Only filing one claim.

Some injured workers only file workers' comp, not realizing they can also sue the at-fault driver. Others focus on the car accident claim and don't realize workers' comp applies because it happened during work.

You need BOTH claims filed and coordinated properly. Otherwise, you're leaving money behind.

How We Handle These Cases

At Keystone Crash Lawyers:

• We handle the workers' comp claim directly - Attorney Michael Cardamone is a Certified Workers' Comp Specialist with 27 years of experience
• We coordinate with top Personal Injury attorneys for the third-party claim against the at-fault driver
• We ensure both claims work together - improperly handled, one claim can reduce the other

Time Limits Apply

In Pennsylvania:

• Workers' comp: Report injury to employer within 120 days
• Personal injury: 2-year statute of limitations

Don't wait. Call now for a free case review.