Usually, when you think of workers’ compensation, you commonly think of injuries sustained at your workplace, such as slipping or falling. But getting compensated might cover more than what happens at your work location.
It’s no secret that working at construction sites and warehouses can take a toll on someone’s mind and body over time by exposing them to either internal or external injuries. Along with their health concern at their worksite, workers might be concerned about the types of damages they can sustain away from their worksite and the costs that follow, while they’re still on the clock.
Work-related incidents away from work
For construction workers who first commute to their work meet-up location then travel to the place they will be working, there is a lot of room for accidents to happen during transportation. This might leave workers wondering who is responsible if they get into a car accident.
When is your boss responsible?
Workers instructed to use their work vehicle to complete a work task need to find out accident costs coverages. In the unfortunate event that a worker does get into a car accident while on the job, there are a few factors that help to determine if their employer will be responsible for their medical bills, lost wages and other related expenses. These requirements are:
- Their accident occurred during their scheduled work hours
- Their boss specifically told them to complete that task
- They were performing a task in their job description
Another part of the decision are factors such as the financial extent of the damages, the number of people injured and the person at fault for the accident. Accidents are unpredictable, which is why informed workers benefit from knowing their workplace policies in case a problematic situation arises.