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If your driving your own vehicle you get into an accident while driving to work are you covered by worker compensation?
Wiki User
∙ 18y ago
- If you were doing your job at the time of the accident you should be able to file for workers compensation for your injuries and lost time at work (depending on the laws in your state).
- If part of your job is driving a personal vehicle and you get into a car accident do I have to use workmen's comp to cover the medical expenses? If I sue the person who was At Fault for the accident how would it all work?
- In the UK you should sue the driver responsible for the accident for all losses, expenses and any personal injuries you suffer in the RTA. This will include any medical expenses you incur which ar classed as special damages. If you have medical insurance at your work place - this may well cover the expense of your medical treatment, but this cost can still be claimed from the driver who caused the accident.
Wiki User
∙ 11y ago
Wiki User
∙ 8y agoIf you were truly injured you probably are covered by your employer. Your car is a different matter though, and workmans compensation certainly won't pay for that.
You have every right to obtain an atty. w/ the expectations of a victory. Even if you are having no luck w/ the ins. co.'s your company is 100% liable for both your physical and vehicle damage loss being as though you were on the job.
I do a lot of errands where I work banking etc. my boss purchased a separate insurance policy to cover my driving while working for him. It was very inexpensive and solved a lot of problems.
you boss bought a non-ownerd auot liabilit not anything esle. this provides liability for the business when you drive.
In the UK - the answer to this question depends on how the RTA that occurs for example:
1. If the vehicle had a defect which cuased your accident your employer is liable. The car is work equipment and a employer has strict liability for accidents from such defects.
2. If the accident was caused by the employee - the employer will have insurance to cover the other innocent driver's injuries, but proabably no the employees.
3. If the RTA was caused by the other driver - the other driver's insurance will pay for the employees injuries.
ANSWER
Your employer is mandated by law to carry Worksman Comp Insurance, which covers you for all injuries on the job, unless, you commited deliberate and negligent act. In this case your claim may be denied.
Wiki User
∙ 18y agoMost likely yes, but what do you want to be covered for? Unless you made a material misrepresentation about how you would be using your vehicle to your insurance company. In my occupation I make house calls and as such I have a business use classification on my personal insurance policy so that there are no misrepresentation issues if an accident happens in route to a clients home or office. Yes, there is additional premium for a business use class but it sure beats a claim being denied. Consult your insurance agent to verify whether a business use class would be appropriate for your particular situation.
Wiki User
∙ 17y agoNo. Only after you've reached the site and are then hurt resulting from an accident....BB
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If your husband has his own insurance for his vehicle and you exclude him the insurance on your car will he be covered by his insurance if he was driving your car and had an accident?
You have to list the drivers covered to drive your car on the policy. If not he is not covered.
Will a vehicle be covered in the event of an accident if the person driving is not the insured driver?
It could be, I would file a claim to make sure.
When in an accident in the UK what compensation does one get?
If involved in an accident in the United Kingdom, you are entitled to compensation to cover the price of your vehicle and personal injury. You merely have to have photos of the damage to the vehicle and/or personal injury.
What is the tax percentage on a settlement from a car accident?
The proceeds of compensation from an award for a vehicle accident are not taxable.
Is your insurance liable if your vehicle wasn't involved in a fatal accident?
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
If someone not on my policy is driving my vehicle and has an accident is the claim covered?
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.
Will your car be covered for a total loss if you are the passenger in the car and the driver gets into an accident and you have full coverage?
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license
Will workers compensation cover your vechicle in an automobile accident?
Certainly Not. Workman's Compensation has nothing to do with paying for a vehicle or any other property losses.
Do you lose your license if your car is in an accident with no insurance and you weren't there?
Yes, If you allowed your car to be driven by another while it was uninsured you can lose your drivers license and the other party can "Sue" both the Driver and You the owner jointly or separately for full compensation for any and all damages. As the owner of the vehicle it is your responsibility to ensure your vehicle is covered regardless of who is driving it. You, the "Owner" are equally "Liable" under the law with the driver you allowed to operate the vehicle. If the vehicle was stolen you can file a police theft report and you would not be held liable for the accident.
If someone is driving your vehicle which is covered with collision and has and accident and is at fault are you responsible for all damages and costs or will their insurance cover it?
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
If you have auto insurance get into an accident while driving someone elses vehicle will you be covered by your insurance?
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
The single most common cause of motor vehicle collisions is improper driving. is true?
In the UK it is true to say that the majority of motor vehicle collisions are caused by "improper driving". However - improper driving needs to be defined a little more. Really the truth is RTA's are caused by "driving errors" - whether this be due to a lapse of concentration, a disregard for the rules of the road, a lack of knowledge of the Highways Code, etc. To decide who is At Fault, has made a driving error or is driving improperly can be a complicated legal process depending on the type of vehicle involved in a road accident, the road conditions and the evidence available as to how the accident happened. See the related link entitled "motorbike accident claims" to see how to show fault in a motorcycle accident and "car accident" to see how to claim compensation and prove liability in a car accident.Added: Add INATTENTION to driving, to the above answer and I would agree 100%.
