What If the Car Accident Was My Fault?

Many injured workers don't call us because they think, "The accident was my fault, so I can't get anything." This is a costly mistake.

Workers' Comp Doesn't Care About Fault

Pennsylvania workers' compensation is a "no-fault" system. This means:

• You don't have to prove your employer did anything wrong
• You don't have to prove another driver caused the crash
• Even if YOU made a mistake that led to the accident, you're still covered

The only requirements are:

1. You were an employee (not an independent contractor)
2. The injury happened during the course of your employment
3. The injury arose out of your employment

Exceptions: When Fault Does Matter

There are a few situations where you could lose workers' comp benefits:

• You were intoxicated by drugs or alcohol
• You were engaged in horseplay
• You intentionally injured yourself
• You violated a specific safety rule AND that violation directly caused the injury

What About the Personal Injury Claim?

If you caused the accident, you probably can't sue anyone else. But you still get workers' comp. And if someone else contributed to the crash - even partially - you may still have a third-party claim.

Bottom line: Call us even if you think it was your fault. We'll evaluate your case for free and tell you exactly what you're entitled to.