A very common occurrence that we assist people with in our practice is what to do when they are involved in a motor vehicle accident while working. Specifically, situations where the accident didn’t happen while going to and coming from work or at lunchtime, but it actually occurred while on the clock and while performing work duties. In these situations, the injured party has a choice between potential sources of recovery. If their employer has Workers’ Compensation insurance then they will likely be required to at least have an initial consultation with a Workers’ Compensation doctor to assess the extent of the injuries. In addition, most employers in the State of Florida require an initial drug test urine screen in order to establish the claim
A common misconception that occurs in these situations is that the injured party is under the impression that they are required and only have the option to treat under their Workers’ Compensation insurance. However, this is not the case if the injured party is not at fault in the crash and the at-fault party has Bodily Injury insurance coverage. In these situations, in addition to the potential workers’ compensation benefits available, the injured party can also make a claim against the at-fault party’s Bodily Injury insurance. This would provide the injured party two potential sources of recovery for their damages.
In addition the above sources of recovery, an injured party may have yet another avenue to recover for their losses. If the injured party, or the vehicle that they were in when the crash occurred, had Uninsured or Under-insured motorist coverage in their policy this may provide an additional remedy. This coverage would apply if the at-fault party did not have Bodily coverage on their car insurance or if their coverage was not enough to fully compensate the injured party for the full extent of their damages from the crash.