Many professions require that you drive as part of your job. Perhaps you regularly drive to the offices of other clients, or maybe you run errands for your boss by driving to different locations. If you are involved in a collision when you are using your car, you may be able to claim workers’ compensation.
When you are involved in a car accident, you should be most concerned with ensuring your safety and the safety of others. Call the police if necessary. Taking care of all administrative actions relating to the car accident should come first; you will have the time to notify your employer later. When attempting to claim workers’ compensation after a car accident, do so with a full understanding of your rights in Maryland and responsibilities.
You need to inform your insurance company as well as your employer
Taking action after a work-related car accident can seem confusing, because you will need to inform your insurance company about the investigation so that you can claim damages, but you will also want to file a workers’ compensation claim. These two processes can work independently, and making both claims will increase your chances of successfully gaining back the damages you deserve.
You are entitled to workers’ compensation regardless of fault
You may be worried that you will not be able to claim workers’ compensation if the car accident was your fault. In most cases, you will still be able to claim workers’ compensation, because it is awarded regardless of fault, as long as you were engaging in a work-related activity.
You may have to pay back your workers’ compensation benefits
If you are awarded workers’ compensation benefits and then, at a later date, gain damages from the at-fault party’s insurance company, you will then be a recipient of duplicate benefits. The auto insurance damages you receive will likely be a larger sum than workers’ compensation benefits you gained. As a result, you will be required to use your insurance damages to reimburse your workers’ compensation insurance carrier.
If you are struggling to understand how to best take action after being involved in a car accident during work time, prioritize making sure that you have notified all relevant parties.