That's a frequently asked question by concerned and injured employees.
If you travel for work and have no fixed office, then yes, you might be covered if in an auto accident on your way to work.
For instance just say you are a tutor or a traveling nurse or a consultant and every day you go to a different location while under the proverbial roof of an employer or agency vs. being an independent contractor. If you have to drive to every work location, then you could possibly be covered by workers compensation.
However, if you work in a fixed location as in the same place you go to five days a week and get into an accident on your way to work, you would not be covered by workers compensation. Millions of drivers drive back and forth to their stationary jobs every day; they are not typically covered by workers compensation.
Now if you are driving a company vehicle and are sent out to another location, then perhaps you are covered by workers compensation.
Every state is regulated by different workers compensation laws and every business may interpret them differently.
Your employment agreement may also cover such policy. However, don't rely on your employer to stand in your corner if you are in an auto accident. Their insurance company wants to do as little as possible.
When in doubt, consult with a workers' compensation lawyer or a personal injury auto accident attorney to find out if you are covered by workers comp if in auto accident on way to work. Most importantly – don't sign anything until a lawyer reviews it! Avoid repercussions down the line.
If you have other questions about a recent car accident, please contact us. For a free consultation with one of our award-winning lawyers, call us toll free at (866) 735-2792 or complete the confidential case review form on this page.