If you were injured in a car accident while on the job in California, you may be wondering whether you qualify for workers’ compensation benefits. The short answer is yes—if your car accident occurred while performing work-related duties, you can typically file a workers’ compensation claim. However, there are important factors that determine eligibility, exceptions, and additional legal options that could affect your case.
At Laguna Law Firm, our experienced California workers’ compensation attorneys can help you understand your rights and navigate the complex claims process. If you’ve been injured in a work-related car accident, call (949) 594-2090 or visit lagunalawfirm.com to schedule a free consultation.
When Is a Car Accident Covered Under Workers’ Compensation?
Workers’ compensation in California covers injuries that occur while an employee is performing job-related duties. Here are some common situations where a work-related car accident may qualify for workers’ comp benefits:
1. Driving for Work-Related Purposes
If you were injured in a car accident while driving as part of your job, your injuries may be covered. This includes:
- Making deliveries
- Traveling between job sites
- Running work-related errands
- Transporting clients or coworkers
- Attending a work-related meeting or event
2. Company-Provided Vehicles
If you were driving a company car at the time of the accident, you may be eligible for workers’ compensation, even if you were running errands or traveling for work.
3. Travel as a Requirement of Your Job
Certain jobs require frequent travel, such as sales representatives, truck drivers, home health aides, and construction workers who move between job sites. If your work duties involve driving, any accident that occurs while performing those duties is likely covered by workers’ comp.
When Does a Car Accident Not Qualify for Workers’ Comp?
While many work-related car accidents are covered, there are exceptions. Here are some scenarios where workers’ compensation may not apply:
1. The “Coming and Going” Rule
Generally, injuries sustained while commuting to and from work are not covered under workers’ comp. This is known as the “coming and going” rule. However, there are exceptions, such as:
- If you were driving a company vehicle
- If you were running a work-related errand on your way to or from work
- If your job requires travel between multiple locations
2. Personal Errands
If you were using a work vehicle or traveling for your job but took a personal detour unrelated to work, you may not be eligible for workers’ compensation.
3. Reckless or Illegal Behavior
If your accident was caused by reckless driving, driving under the influence, or violating traffic laws, your claim could be denied. However, every case is unique, and a skilled workers’ compensation attorney can help assess your situation.
What Benefits Can You Receive from a Workers’ Comp Claim?
If your work-related car accident qualifies for workers’ compensation, you may be entitled to several benefits, including:
- Medical Expenses: Coverage for doctor visits, hospital stays, surgeries, medications, rehabilitation, and therapy.
- Temporary Disability Benefits: If you are unable to work due to your injury, you may receive partial wage replacement.
- Permanent Disability Benefits: If your injury results in long-term impairment, you may be eligible for permanent disability compensation.
- Job Retraining (Supplemental Job Displacement Benefits): If your injury prevents you from returning to your previous job, workers’ comp may pay for retraining or skill enhancement programs.
Third-Party Liability Claims: Can You Sue for a Work-Related Car Accident?
In some cases, a work-related car accident may involve a third party who is responsible for the crash. While workers’ compensation provides benefits regardless of fault, you may also have the right to file a personal injury claim against the at-fault driver. A third-party liability claim could allow you to recover additional compensation, including pain and suffering, which is not covered by workers’ comp.
If another driver was negligent—such as by running a red light, texting while driving, or driving under the influence—you could have grounds for a lawsuit. Our legal team at Laguna Law Firm can help you explore all your legal options.
How to File a Workers’ Compensation Claim for a Car Accident
Filing a workers’ comp claim for a work-related car accident in California involves several key steps:
- Report the Accident to Your Employer – Notify your employer as soon as possible and provide details about the accident.
- Seek Medical Treatment – Get medical care immediately and inform the doctor that your injury is work-related.
- File a Workers’ Comp Claim (DWC-1 Form) – Your employer should provide you with a DWC-1 claim form. Fill it out and return it promptly.
- Follow Up with Your Employer’s Insurance Carrier – The insurance company will review your claim and determine benefits.
- Consult a Workers’ Compensation Attorney – If your claim is denied or if you encounter difficulties, hiring an experienced attorney can significantly improve your chances of obtaining full benefits.
Why You Need an Experienced Workers’ Comp Lawyer
The workers’ compensation claims process can be complex, especially when it involves a car accident. Insurance companies often try to minimize payouts, delay claims, or deny benefits altogether. Having an experienced attorney on your side can make all the difference.
At Laguna Law Firm, we fight for injured workers throughout California, ensuring they receive the maximum benefits they deserve. Whether you need help filing your claim, appealing a denial, or pursuing additional compensation, we are here to help.
Injured in a Work-Related Car Accident? Contact Laguna Law Firm Today
If you were injured in a car accident while on the job, don’t navigate the legal process alone. Let our skilled workers’ compensation attorneys handle your claim while you focus on recovery.
Call Laguna Law Firm at (949) 594-2090 or visit lagunalawfirm.com to schedule a free consultation. We work on a contingency fee basis, which means you pay nothing unless we win your case.
Protect your rights and get the compensation you deserve—contact us today!
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