What Happens If You Have An Accident In A Company Car?

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What Happens If You Have An Accident In A Company Car?

Michigan lawyer discusses what happens when you have an accident in a company car.

Getting into a car accident while driving a company car is stressful. This is especially true if the car is wrecked or someone gets hurt. Fixing the damaged car itself is usually the easiest problem to resolve. Our clients want to know about available benefits and how to protect their legal rights. Here is what happens if you have an accident in a company car and suffer personal injury.

What happens if you have an accident in a company car in Michigan?

In Michigan, if it so happens that you have an accident in a company car then multiple insurance companies could be on the hook but who pays depends on specific facts. Employees injured while on-the-job should make a claim with both workers’ comp insurance and no-fault auto insurance to protect their legal rights.

It also possible to file a third-party lawsuit against a negligent driver for pain and suffering damages.

Workers’ comp insurance

If it so happens that you have an accident in a company car while driving for your job you should be covered under workers’ comp. It pays unlimited medical treatment, lost wages, and vocational rehabilitation benefits.

It does not matter who was at fault or caused the accident. Workers’ comp is considered primary so it should always pay first.

Going to or coming home from work is typically not covered under workers’ comp. An exception to this rule exists when certain factors have been met. This includes whether an employer paid for or furnished transportation, whether the injury occurred during or between working hours, whether the employer derived a special benefit from the activities at the time, and whether the employee was subjected to excessive exposure to traffic risks.

Driving a company car might bring an accident within the scope of workers’ comp even when off hours. Additional factors must be analyzed to determine compensability. We recommend speaking with an experienced lawyer to make sure that all claims are protected.

No-fault auto insurance (PIP)

Employees injured during a car accident can also make a claim for no-fault auto insurance benefits. This includes money for replacement services and other items that workers’ comp typically does not cover. Extra money is also paid for lost wages bringing the total amount of compensation to 85%. Order of priority will determine which no-fault auto carrier pays. Watch out for insurance companies who say workers’ comp is primary and refuse to pay no-fault auto benefits. This is especially true if workers’ comp has disputed the claim.

Third-party lawsuit

Individuals hurt because of a negligent driver can also sue for pain and suffering damages. Any money received would be in addition to workers’ comp and no-fault auto benefits paid. A third-party lawsuit can be much more valuable than workers’ comp or auto no-fault claims. It is critical to speak with an attorney to make sure all potential cases have been evaluated.

Michigan Workers Comp Lawyers never charges a fee to evaluate a potential case. Our law firm has represented injured and disabled workers exclusively for more than 35 years. Call (844) 316-8033 for a free consultation today.

Related information:

When Will I Receive My Workers’ Comp Check?

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Author Bio Jeffrey Kaufman

Author
Jeffrey E. Kaufman
Michigan Workers Comp Attorney

Jeffrey E. Kaufman has extensive experience in workers compensation cases and has recovered millions of dollars in benefits for his clients. He believes all injured workers deserve to be on equal footing with insurance companies and employers, and fights tenaciously so their rights are secured and protected.


“Jeff also helped me with getting my Blue Cross bills paid. I would absolutely recommend him and the whole firm. Jeff and the firm did everything they were supposed to do for me and my case.”
Ricardo Perfetto

Hundreds of 5-Star Reviews

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Get Help From our Michigan Workers’ Comp Lawyers Today

You’re not alone. Our Michigan workers’ comp lawyers have been called the best in the state, and our clients love how they’re treated with care, respect, and responsiveness. We will give you the time you need, we will explain your legal rights, and we will always treat you with respect.

Our workers’ compensation and Social Security disability lawyers always put your needs first. Get to know your legal team.

Our attorneys post regularly about common issues related to workers’ comp, including common injuries, settlement calculations, laws, and more.

Injured? It’s Time to Get Some Answers

Don’t let the insurance adjuster push you around. Request your free consultation today.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Our attorneys post regularly about common issues related to workers’ comp, including common injuries, settlement calculations, laws, and more.

Our workers’ compensation and Social Security disability lawyers always put your needs first. Get to know your legal team.