if an employee is injured in a company car while working is she entitled to auto med payments + workers comp?

Answer 1

No. There's an exclusion under the med pay section for injuries that are "workers compensable".

Answer 2

Your employee is not entitled to auto med payments. Only work compensation payments. However if the scenarios occurs:

Say your employee was driving the company car but decided to leave the normal route to buy toilet paper and goes 3 miles away and gets into the accident, than its possible that it's a deviation, work comp is denied and it's possible that auto med payments would apply.

If she was driving, goes off the point A to point B route for a small errand and she come back on point A to B route than crashes, it's a work comp.

If she was driving from point A to point B and got into an accident, than it's work comp.

Each state is different with deviation laws, miles away is always the main question.

Answer 3

No.

Most Med Pay provisions in personal auto policies specifically exclude coverage for employees covered by workers comp.

The policy also has other exclusions that could come in: vehicle provided for your regular use that is not owned by you (usually excluded), business use of vehicle is also usually excluded.

Answer 4

This situation would normally be covered under the employer's workers' compensation insurance, not auto insurance.