Employees injured on the jobsite expect workers’ comp insurance coverage. But what about when employees are injured in an automobile? Here, work comp management can quickly become confusing.
Workers’ Comp Coverage Hinges on the Circumstances of the Collision
Vehicles are increasingly taking to the roadways, many used for work-related use. Here, the legal doctrine of respondeat superior applies. If employees are “acting within the scope of their employment,” employers may be legally responsible their actions, including injuries and property damage resulting from an employee driving a company vehicle.
What Situations May Be Covered?
- Employees making deliveries.
- Work-related errands.
- Transporting a fellow employee for work purposes.
- Driving to and from site jobs.
- Travel in which the employee is compensated by the employer.
- Using the company vehicle to accomplish other job duties.
What if an Employee Causes an At-Fault Accident
If the employee was driving a company vehicle, respondeat superior again applies. A no-fault insurance, he/she is still awarded workers’ comp benefits. Your business is also responsible for third-party injuries and property damage under civil claims. Employer liability insurance additionally protects the employee from third party actions/suits.
What Situations are Typically Not Covered?
A broad generalization, variances in state law and individual circumstances can toss a wrench in the works of coverage. Generally not covered:
- Employees on their own time, such as travel to/from work or on lunch break.
- Employees stopping for a personal errand at the time of incident.
- The employee committed a crime or was under the influence of drugs/alcohol at the time of the accident.
Don’t let work comp management woes pile-up. Get the help you need with Minnesota Comp Advisor today.
At the Workers’ Compensation Institute’s 72nd annual Workers’ Compensation Educational Conference recently, technology was at the forefront of topics surrounding the management of workplace injury claims. Smart technology and predictive analytics are revolutionizing employee treatment, leading to a healthier, more productive workforce.
A Worthy Investment
Remaining proactive, particularly on the technology front, can be a tremendous challenge. However the return on investment on such tech can be substantial, paving the way for less costly, dramatically improved outcomes that incites employers to make it a priority.
What Technology is On the Rise for Preventing & Treating Workplace Injury Claims?
- Post-Offer Employment Testing (POET):
Testing designed to interpret whether a potential candidate is physically capable of the job which they are seeking. Just one hire not physically able to perform a job is at risk of injury, putting the employer at the potential risk of $50,000 or more in lost productivity and other expenses.
- Wearable Tech & Telemedicine
A tremendous resource in ensuring the compliance and correct performance of therapy exercises and activities.
- Advanced Therapy
Newly-developed programs for injured workers similar to work conditioning.
- The Exoskeleton Device for Paralyzed Workers
A cutting-edge device that allows paralyzed or severely injured workers to walk again.
- Resource-Sharing Programs for the Development of Wellness Programs
A means to allow those firms that cannot afford onsite fitness centers to pool community resources to create wellness programs for the betterment of workers.