I was rear-ended while shopping for my job. The other vehicle fled. My car is totaled, and I have a fractured neck.
2006-09-21 07:20:41 · 10 answers · asked by herronjennifer 1 in Business & Finance ➔ Small Business
You don't say whether you had uninsured driver's insurance.
You don't say whether you had medical pay insurance thru your auto policy.
You don't say whether you were asked to or authorized to use your car for your job when you were hit.
You don't say whether your employer was required to cover you with worker's comp. (contrary to the statements of others above not all states require all employers to carry comp for all employees)
Take the answers to those questions to an attorney to get an answer to your question.
2006-09-21 09:24:45 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Assuming you were performing duties "in the course of employment" and not merely on a lunch hour shopping trip, your employer is responsible for any costs incurred as a result of the accident.
The way it generally works is that you file a claim for vehicular damages and personal injury with your insurance company. They ask if the injuries were sustained in the "course of employment", you answer accordingly. They then contact the employer to pay for everything (car, medical, weekly benefits, etc.), If the employer refuses, and you can prove that you were "in the course of employment", you may be able to sue.
If and when the police find the hit and run driver your employer can assert a claim for any "out of pocket" amount paid to you. Usually, in these types of cases the driver of the other vehicle did not have any insurance.
Contact the local Bar Association for a referral to a competent Worker Compensation attorney,
2006-09-21 18:16:11 · answer #2 · answered by PALADIN 4 · 0⤊ 0⤋
Well.. you company has to have workers comp.. it's against the law for them not too.... were you shopping in your own vehicle... was your insurance registered with the company.. or was your company covering your vehicle.. ?? You may need to contact an attorney to make sure you have a case..so that you can get your medical covered/.
2006-09-21 14:29:06 · answer #3 · answered by limgrn_maria 4 · 0⤊ 0⤋
All employers in America are required to provide worker's compensation insurance for the hours worked by their employees. If your employer didn't, you really have him over a barrel. Tell him to pay for your medical bills. If he doesn't, report him to the EDD. Are you a private contractor on this job? If so, you are responsible for your own insurance, and any accidents occurring that are not covered are your loss.
2006-09-21 14:26:13 · answer #4 · answered by robertspraguejr 4 · 3⤊ 0⤋
You may have legal rights to collect from your auto insurance policy concerning uninsured motorist , contact them as soon as possible and obtain a police report or file one if you were previously unable to do so.
2006-09-21 14:25:10 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Your employer must cover this. They are supposed to have workers comp. See a lawyer right away.
2006-09-21 14:23:06 · answer #6 · answered by WendyD1999 5 · 1⤊ 0⤋
Your insurance company will have to assume the costs, unless and until they can track down the other driver.
2006-09-21 14:22:35 · answer #7 · answered by Anonymous · 0⤊ 0⤋
your employer have to have a minimum of employees to have (by law) a workers com. insurance...if not you still have the right to a compensation or medical bills payments through their insurance carrier....talk to a lawyer...good luck
2006-09-21 14:35:50 · answer #8 · answered by Anonymous · 0⤊ 0⤋
You may need to call a personal injury lawyer. They don't charge unless you collect. Talk to your employer first but don't sign anything.
2006-09-21 14:28:44 · answer #9 · answered by notyou311 7 · 0⤊ 0⤋
if you didn't tell your insurance company you where using the auto for work you` re screwed
2006-09-21 14:26:03 · answer #10 · answered by Bushit 4 · 1⤊ 0⤋