Auto Insurance Claims: Auto Accident while on the clock, Auto Accident while on the clock

Question

My Truck Just yesterday I was involved in a car accident. The other driver was in the far left lane while I was in the far right lane. Roughly 8 feet before the entrance to a sonic on the right side of the road, the other drivers cuts across the road to try and make the entrance, stating she didn't see me. I slammed on the brakes and tried to turn out of the way, but her vehicle was what stopped me. When the sheriff was done gathering the information, he sighted her for reckless driving while making a turn. I went to the hospital for whip lash. When I was doing all the paperwork, they asked me if I was working when this happened and I was. I was in my personal vehicle, but running around for the store (I'm the store manager). I don't really want anything other then compensation for the loss of pay for today, my vehicle repaired, and the medical expenses covered. I know the insurance company will only cover up to certain amounts for each issue mentioned, so is my companies insurance responsible for anything after that. I have no money right now, but need a rental and have to come up with the $100 (20 of the total bill) up front. The issue I am having is with out the rental I cant go back to work. What should I do, or what steps do I need to take care of next?

Answer
Hello Tasha,

I am sorry to hear about your accident, Nice truck, by the way.

Well, you have somewhat of a more complex claim. The worker's compensation carrier (your employer) will have to cover you if you are deemed to be acting within the scope of your employment (sounds like you were). They will have to pay for the wage loss and medical bills. Note, the wage loss usually is paid at a percentage (i.e, 80%). Your pain and suffering will have to be paid by the party at fault (their insurance). They will also have to pay back the workers compensation for damages they covered.

You will have to have your insurance company, your employer's worker compensation carrier, and the other insurance company apprise of all the claim developments.

To learn more about property damage claim please see:

http://www.auto-insurance-claim-advice.com/property-damage.html

and for injury claims, please see:

http://www.auto-insurance-claim-advice.com/bodily-injury-claim.html


Good Luck,
Anne
http://www.quirogalawoffice.com/