If you are injured while driving for work-related purposes, you may be eligible to receive workers’ compensation benefits that can cover medical expenses, rehabilitation costs, lost wages, and other related expenses resulting from the accident.

But your employer’s workers’ compensation provider probably won’t be the only insurance company involved.

If You’re at Fault

If the accident is determined to be your fault, your employer’s liability insurance will probably be liable for any damages or injuries to the other party.

Your employer’s workers’ compensation insurance will likely be responsible for your medical expenses and other benefits to which you are entitled under the workers’ compensation act.

If You’re Not at Fault

If another driver is at fault for the accident, their liability insurance will come into play.

However, there are issues regarding subrogating interest between your employer’s workers’ compensation insurance and the at fault driver’s liability insurance.  The issues are complex and you should consult an experience attorney to help you through them.  

Comparative Fault

Missouri is one of several states that follow the doctrine of “comparable fault” in their liability laws. Each party can be assigned a portion of the overall responsibility for an accident.

What Should You Do After an Accident?

If you’re involved in an accident while on the job, comply with law enforcement and seek medical attention if needed. Notify your employer and your insurance agent,

Depending on who is at fault, navigating the maze of multiple overlapping insurance coverages can be overwhelming. Consulting an attorney is definitely advisable.

At the Law Firm of Webster & Carlton, our experienced workers’ compensation attorneys will help you understand your rights and options. We provide the legal representation you need to get the benefits to which you are entitled. If you need additional help, give us a call.

Contact our Missouri workers’ compensation attorneys today for a no-obligation consultation to discuss your situation and how we can help you.

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