Does Workers’ Compensation Cover Travel for Work?August 23, 2018
It may seem counterintuitive, but even with remote access technology and many people working from home, more and more people are traveling for work. From pharmaceutical sales representatives to the trucker who is transporting goods for Amazon, business is booming on the road. There are many more trucks on the road in general, and around one-third of all Americans travel for work.
People who travel for work are statistically more likely to be injured on the job than those who do not. What happens if you are involved in a car or truck accident while traveling for work? A worker who is injured while traveling will be covered if the injury occurred during the course of their employment.
Although this seems like a relatively straightforward inquiry, the law can be rather complex and fact sensitive. Generally, if a person was participating in an activity that they might reasonably undertake for work at the time of their accident, they may be eligible for Workers’ Compensation benefits. Injuries sustained during a person’s regular commute, however, are usually not compensable.
Travel Related Accidents
Some common examples of travel related accidents that fall within the scope of Workers’ Compensation include:
Traveling from one job site to another. If your job requires you to go from point A to point B during the work day to do your job, most likely an accident that occurred while traveling to a second job site would be compensable. This is true regardless of whether you are driving a personal vehicle, or a car provided to you by your employer.
Commercial travel. If you are injured while on a business trip, your injury would be covered. For example, if you are traveling across the country to make a presentation, you would likely be covered the full duration of your trip.
“Special missions.” If your boss asks you to run an errand for them, like picking up office supplies or making a coffee run, any accidents that occur en route would likely be compensable under the state Workers’ Compensation system.
Professional drivers. If traveling is a person’s duty, such as a pilot, bus driver, truck driver, delivery person, and similar, then an accident performed at work will almost always be covered by Workers’ Compensation.
If your injury is work-related, you would be eligible for benefits even if the accident was your fault. This is because Maryland’s Workers’ Compensation law is a no-fault insurance system, where an injured worker is automatically entitled to immediate medical and wage loss benefits, regardless of who was at fault.
There are limited exceptions to this rule, for example, if a driver was intoxicated at the time of their accident.
Out of State Injuries
If you were injured while traveling out of state for work, you should talk to an experienced Workers’ Compensation lawyer as soon as possible. Every state provides something called “extraterritorial Workers’ Compensation benefits” to employees who travel out of state for business, but there are limitations to this.
Baltimore Workers’ Compensation Lawyers at LeViness, Tolzman & Hamilton Represent Those Who Travel for Work
If you have been hurt on the job, you need experienced representation. To schedule a free consultation, contact the experienced Baltimore Workers’ Compensation lawyers at LeViness, Tolzman & Hamilton today. We work tirelessly on your behalf to secure the maximum financial benefits you deserve. To schedule a free, confidential consultation, call us today at 844-556-4LAW (4529) or contact us online.