Motor Vehicle Accidents and Workers’ Compensation; How Much Is Covered?

March 11, 2016

If you drive a vehicle in Pennsylvania as part of your job, you need to know what happens when you are involved in an accident. While workers’ compensation can and will cover your injuries and lost wages, there are complex laws in place that can prevent you from recovering the full amount of your losses. Having an experienced workers’ compensation attorney on your side can help get you the compensation you deserve.

Driving for work is inherently hazardous

Pennsylvania is a dangerous place to drive. According to the Pennsylvania Department of Transportation, “In 2014, there were 121,317 reportable traffic crashes in Pennsylvania. These crashes claimed the lives of 1,195 people and injured another 79,758 people.” These are large numbers; to put them in perspective, PennDOT calculated these averages:

  • Each day 332 reportable traffic crashes occurred
  • Each day 3 persons were killed in reportable traffic crashes
  • Each day 219 persons were injured in reportable crashes

In short, if you are involved in an accident, you are extremely likely to be injured. If you are driving as part of your job, these injuries are covered under workers’ compensation. Unfortunately, the minimum insurance coverage required in the state is $15,000, which can run out quickly when serious medical care is required.

Fortunately, the state decided in 2011 that workers’ compensation insurance does not exclude eligibility for other insurance benefits, including uninsured or underinsured motorist coverage. This means that if your expenses are greater than the minimum policy coverage, you can file suit to claim coverage under UM or UIM policies.

Filing a workers’ compensation claim after an accident can be complicated

This is all well and good, but the intricacies of insurance and workers’ compensation law means that big insurance companies can fight endlessly to prevent paying additional money. When that is the case, having experienced legal counsel on your side can make all the difference in the world.

Proper compensation for injuries incurred on the job can prevent you from drowning in medical bills and keep food on the table while you are unable to work. The experienced Philadelphia workers’ compensation attorneys at Larry Pitt & Associates can evaluate your case and help get you the compensation you deserve. Contact us today for a free consultation. We serve clients throughout Berks, Bucks, Chester, Delaware, Montgomery and Philadelphia counties.