However, these benefits have limits, and often leave employees with little recourse and huge financial stress.
When you are injured at work, then there may be additional money you can claim. If your work injury occurs because a person or business—not associated with your employer—is careless, then you may pursue a separate personal injury claim.
For example, if you are injured at work in a car accident in Southwest Florida, and the other driver is responsible, then you receive workers compensation. But, you also make a claim against the driver’s auto insurance.
Injured at Work and Auto Insurance Compensation
Whenever you’re injured at work while driving your employer’s vehicle, or driving your own vehicle for employment purposes, then you may collect money from several sources. Accordingly, you may receive workers compensation benefits and personal injury protection (PIP) benefits from your own auto insurance. Also, you may claim liability insurance money from another driver’s insurance company. This is a triple-play.
Harm results when injured at work. So, you may have several different forms of insurance compensation available. In severe vehicle crash claims involving serious personal injury, for example:
- Workers comp insurance covers medical bills and lost wages
- Your own PIP pays some medical bills and lost wages
- Other driver’s bodily injury insurance pays pain and suffering
- Vehicle owner’s liability insurance pays pain and suffering
- Your employer’s uninsured motorists coverage may pay more money
- Your own UM insurance may pay additional money
If Injured At Work in Vehicle Accident, Then Go For Additional Compensation
In accident claims involving major injuries, such as brain damage, broken bones, or spinal cord injury, there may be more financial compensation sources. For example, if a negligent driver who causes your car accident is also working when it happens, then a much larger compensation source is available to you. Securing this additional compensation opportunity may be huge for you and your family.
This commonly occurs with company vehicles in Southwest Florida. You’re injured at work. However, you are also a personal injury victim. Accordingly, this means you may be eligible to recover money damages from auto insurance.
Moreover, there may be multiple auto insurance policies payable. For example, one policy for a driver and another for a driver’s employer. While these circumstances do not always exist, such coverage is common when a company driver causes a wreck. Moreover, depending on your circumstances, there is often enough insurance and workers comp to pay for all your needs.
Your family depends on you, and major injuries prevent you from providing for your family. This is a huge burden and hardship. Accordingly, you must take correct steps moving forward.
When Injured At Work, Then Hire Experienced Counsel
Third party auto insurance claims involving workers compensation are complex. So, call Fort Myers work injury lawyer David Harris and he helps. Your lawyer knows where to look and what to look for when you’re injured at work. Therefore, David pursues all compensation sources.
These are complex matters requiring skill and experience. Moreover, you may miss significant compensation opportunities. Coordinating between workers comp and liability insurance is tricky. And, many lawyers miss this. Don’t miss your opportunity to receive every dollar you deserve. After all, your family depends on you. Start exploring your rights today.
David represents clients injured at work in auto accident claims. He sorts through third party claim handling issues. And, coordinates liability claims with workers compensation insurance and rules. David does this all while providing you real-time updates. So, you always know what’s happening and why.
Don’t delay any longer. Reach out to David today to schedule a free and confidential consultation. You’ll discuss your injured at work circumstances and your options. Moreover, there is no fee unless we win, so you have nothing to lose. Use our easy online form or call.