Business Travels: Tips on Handling an Accident
Traffic accidents can happen at any time, and it is important for you to understand exactly what steps you need to take if you happen to be on the clock or traveling for business when an incident occurs. After all, your employer might be responsible for paying for your medical expenses, and they also have the right to know if something happens to you while you are working.
Steps to Take after a Work-Related Car Accident
Whether you are on the clock or not, you should contact the police to report the accident, and it is also important to call your insurance company unless you are driving a work vehicle. Additionally, you should seek immediate medical attention if you have any obvious injuries, and it is a good idea to get a medical checkup within the first 24 hours even if you do not think that anything is wrong.
Once you have contacted the police, your next call should be to your employer to inform them that you have been involved in an accident. At this point, your employer will have the opportunity to advise you about any specific guidelines that will determine where you should go for medical assistance.
What is My Employer Responsible For?
Every state has its own rules that govern the level of liability that an employer has when one of their employees are injured while driving for work. For example, if you are injured in a car accident while driving through Denver, you will need to follow the Colorado state law that requires you to file a workers’ compensation claim. In fact, according to one Denver car accident lawyer, Colorado workers dealing with this situation do not have the legal right to file a lawsuit against their employer because they are able to utilize workers’ compensation benefits.
Additionally, it is important to note that your claim can be denied for several reasons such as a natural disaster and if you were intoxicated or traveling for a social event that was not part of your work duties.
Can I Sue the Other Driver?
Even though you cannot sue your employer as long as they have the proper workers’ compensation insurance, you do still have the ability to file a third-party liability claim against the responsible driver. Due to this, it is important to hire an accident attorney to help you take legal action if you have suffered from serious injuries. Although your workers’ compensation benefits should cover all of your medical expenses, you will need to file a lawsuit against the other driver if you want to be compensated for pain and suffering.
Keep in mind that your employer is likely to have a specific process that you need to follow if you are injured while driving a work vehicle. However, this should not prevent you from being able to take action if another driver was at fault for the accident. After all, your workers compensation benefits will only go so far, and you should not be stuck dealing with serious issues such as pain and suffering without having the opportunity to receive compensation.
Writer Melanie Fleury has had to travel for work before and was always curious as to what would happen if she was involved in an accident. She found valuable information on the site of a Denver car accident lawyer on the liability involved in an auto accident.
Photo Credit: http://www.flickr.com/photos/pathawks/2199580387/