Involved in An Auto Accident While Working? What Coverages Are Available?

Not everyone is lucky enough to never experience a car accident. It can be a life-altering experience that leaves you on an edge and unable to comprehend what just happened. Anyone who has been in an accident knows just how much of a toll it can take on their lives. However, recovering from the injuries is something that you cannot overlook.

One of the most important questions that people have when they get involved in an auto accident while at work is what should they do. There is a huge difference between being involved in an accident while coming or going to work and one when you are working. The fact is that these situations are entirely different and should not be treated the same. 

When you experience a car accident while on the clock, you have a chance at recovering some money. If your company already has employees’ compensation insurance, you should be able to claim something when you get injured while carrying out your work. Your consultation with the doctor would be covered. It would assess how badly you have been injured. Generally, employers in Florida have to conduct a urine drug test to establish a claim. Otherwise, you cannot expect any form of compensation. 

Now, most people have a misconception that they only have an option to seek treatment if their employer has insurance. But, if you are not at fault for getting an injury, you have a right to seek coverage. In addition to being able to claim compensation benefits from your employer, you can also file a claim against the other party for the injury as they are likely to have insurance. Thus, you would be able to seek two sources of recovery for the injuries. 

Besides the above recovery sources, you might have an additional option for recovering the loss as an injured party. In case you have under-insured or uninsured motorist coverage in your policy, you would benefit from another remedy. In order for this type of coverage to be applicable, the party that is responsible for the accident must not have bodily coverage included in car insurance or have coverage that does not fully compensate you for all the damages sustained following the crash. You should also keep in mind that the injured party has the right to decide how to seek medical treatment. 

Moreover, can get treated using your personal injury protection insurance or your company’s workers’ compensation insurance. However, you will need to decide which option to pursue. It is vital that you understand that this decision would impact the outcome of your claim. Hence, your best option is to speak with a Lytal, Reiter, Smith, Ivey & Fronrath - Fort Lauderdale car accident attorney

 who will determine your rights and offer the right piece of advice. 

Subrogation is also a term that you must learn more about. If your private health insurance or company’s workers’ compensation insurance pays for the benefits, they would have a lien or legal interest in how the case goes. Lien would be considered where the injured party can recover from the other party. It would result in the health insurance carrier or the company’s workers’ compensation being entitled to make a claim for being paid what they had paid. It is called the right of subrogation which the insurance company enjoys. The right will only apply for recovering from the other part’s insurance policy. Hence, it should not be mistaken for under-insured or uninsured motorist coverage. 

After the compensation carrier of your organization has made all the payments, they would reach out to the injured party for their right to subrogation by offering evidence against all the payments that have been made. It is this compensation lien that is likely to be used as evidence for claiming damages and recovering from the insurance company of the party responsible for the accident. 

As it can be difficult to understand these laws and effectively navigate them for the desired outcome, you must seek a car accident attorney to help you out. When you get involved in a car accident during your job, you must reach out to a lawyer to handle everything for you. 

Most lawyers provide free consultation which means that you have nothing to lose and should definitely seek all the support that you can get. Let us help you with your personal injury case and workers’ compensation. We will make sure that you make the right decisions.  

If you want to stay on the right side of the law and receive proper compensation, it is important that you reach out to us. We will increase the chances of you getting compensated for injuries. Simply schedule a consultation so that you get all the help you need to navigate through these difficult times.