Common accident injuries include those to the head and neck, traumatic brain injury, broken bones, lacerations, spinal cord injuries, and in severe cases, amputations or disfigurement. Under the Pennsylvania Workers’ Compensation Act an employer is responsible for a car accident if the employee was “on the job” when it happened.
An employee who suffers injuries in a workplace vehicle accident in Philadelphia while on the job has a right to workers’ compensation benefits. These cover medical treatment, medications, transportation, and other reasonably incurred costs, as well as about two-thirds of lost wages.
Many claims for Workers’ Compensation get denied because employers will dispute that an employee was on the job when the accident happened.
Additional Sources of Compensation
In Pennsylvania, including South Philly and Bustleton, every auto insurance policy must carry personal injury protection coverage (PIP) of at least $5,000 per person. Some corporate auto insurance policies have much higher coverage. This coverage applies regardless of fault and workers injured in a work-related vehicle accident can apply for PIP benefits.
Pennsylvania law says that Workers’ Compensation should apply first when covering the medical bills of injured workers, and then PIP benefits. In cases where auto insurance pays first, the company will seek reimbursement from the Workers’ Compensation carrier.
If you are in a company vehicle and another car hits you and you are injured, you may be able to file a claim against the driver who caused the accident and your injuries. This is known as a third-party claim. Third-party claims can recover damages for pain and suffering, something not allowed by Workers’ Compensation. Filing a third-party claim does not affect your application for Workers’ Compensation benefits.