The question of whether car accidents are covered by workers compensation insurance can be a complicated one. If you were involved in a car accident while at work and are unsure of how to proceed, read on for further clarification.
Will Workers Comp Cover Work Car Accidents?
Generally speaking, workers compensation insurance will only cover employees who are injured when they are performing duties as assigned to them by their employer while they are on the clock. If you were, for example, injured in a car accident that occurred in the parking lot with another employee, then you would not be covered under workers comp.
However, if you work as a driver—a taxi driver, a delivery driver, or a public transportation driver, for example—this does open the door for you to receive workers compensation benefits because you were injured while fulfilling your obligations as an employee.
Your Workers Compensation Benefits
When you are injured at work and are eligible for workers comp benefits, notify your employer as soon as possible of your injuries and intent to file a claim. Failing to do so could disqualify you from collecting. You should also immediately see a medical professional who can make sure you are in stable condition and document your injuries.
Once you file your Iowa workers comp claim with all relevant information, including annual income and supporting documentation from your physician, your employer’s Iowa work comp insurance adjuster will inform you of the decision regarding your claim.
If your claim is approved, the insurer will discuss with you what percentage of your weekly income you will be able to receive (up to 80 percent but not exceeding a maximum of $1,500). The insurance company should also cover the costs of your medical expenses as they relate to your car accident injury.
When workers compensation doesn’t cover the total costs of your injuries, filing a personal injury claim can be an option to secure the money you need to avoid financial ruin.
Dealing with Denials
Unfortunately, many Iowa workers comp claims are denied—often wrongfully. Denying your workers comp benefits helps the insurance company keep its profits high, so it’s no surprise that denials are common.
Insurers will capitalize on any murky details in your claim. Really, anything that could cast doubt on your eligibility will jump out at them as a way to get away with denying you what you’re rightfully owed.
Fortunately, an Iowa workers comp lawyer can help you appeal your denial after your original work comp car accident claim is denied. We’ll make sure you’re treated fairly and do everything in our power to win you the compensation you’re owed.
Speak with an Iowa Car Accident Work Comp Lawyer
Workers comp may cover you in the event of a car accident that occurs while you’re working. However, this type of claim can be difficult to successfully file, so you may want to work with a car accident workers comp lawyer in Iowa.
The qualified attorneys at Pothitakis Law Firm, PC are determined to ensure that your car accident injuries do not impact your life any more than they have to. Schedule a no-cost consultation today by filling out the contact form below or giving us a call at 1-888-329-0243.