Most workers know that, if they are injured at work, they may be entitled to benefits from their employers under the Florida Worker compensation system. However, what if a person is injured while driving to or from work? What if their job involves driving, but they are injured in a car accident caused by a third party? How you recover compensation in the event of a car crash entirely depends on the circumstances surrounding the crash.
Injured while commuting to work
Each year, more than 200,000 auto accidents are reported in Florida, according to the Department of Motor Vehicles. That means more than 600 crashes per day, putting you at risk every time you drive a vehicle to and from work or as part of your job duties. An injury from a traffic accident on your way to or from work is generally considered a non-work-related accident. Your best bet for obtaining coverage for missed wages and injuries may be to purchase a disability insurance policy privately or through your employer.
Injured while on-the-job
If you were injured in a traffic accident and you drive as a part of your job, you can recover compensation from your employer’s Worker compensation insurer. Any accident, whether in an office, on a construction site or on the road while trucking materials across Florida, may be covered by Worker compensation if it arises out of and during the course of employment. So, if you were delivering packages, hauling materials, transporting goods or otherwise driving during working hours as part of your job, you can file a claim. In addition, you can sue the negligent driver who caused your accident for personal injury damages.
If you were injured while on-the-job, an experienced Worker comp lawyer in Florida helps you understand your rights and obtain the compensation to which you are entitled. If you suffer disabling injuries and expect to be unable to work for at least a year, our law firm can also help you understand your rights to disability benefits.