What If I Am in a Car Accident While Performing Work Errands?


Car accidents can be confusing and complicated between those who are involved.  More questions can arise following a car accident if you were required to drive for work. If you find yourself injured in a car accident while working, liability will come into question. It is always best to know the proper actions to take and who to contact after such situations.

Steps to Take

The first concern following a car accident is safety; make sure everyone involved is okay, if possible. After contacting the proper first responders and filing a police report, the next best step is to contact your employer and the employer’s insurance company. You should also contact your own auto insurance company for documentation purposes. Your employer should inform all employees prior to an incident on what to do and who to contact.

Normally, the insurance companies will determine liability. The employer would most likely be held liable for any injuries or damages if their employee is found negligent in a car accident. If the other party is found to be completely responsible, then that person’s auto insurance will take care of the injuries to the employee.

Workers’ Compensation

Workers’ Compensation insurance will most likely cover your medical bills and other damages if you were injured in a work-related car accident. Workers’ Compensation does not cover you during your commute to and from work, only if you stopped during your drive to run a quick work-related errand or other uncommon scenarios. The employee’s own car insurance will normally be used as well, and in more extreme cases, Workers’ Compensation and the employer’s insurance will take over if the employee’s insurance does not cover the amount of damages and injuries.


Determining if the negligent party was working at the time of the car accident is vital. The victim in a work-related car accident can sue the employer, if that person was working at the time, which is called vicarious liability. Normally, the employer and their insurance company will have deeper pockets than the individual employee. Also, certain insurance companies do not recognize Workers’ Compensation. Because there are so many questions in these scenarios, it is recommended to contact a Workers’ Compensation lawyer for guidance.

Milford Work Injury Lawyers at Rhoades & Morrow Help Clients Receive the Workers’ Compensation Benefits They Deserve

If you were involved in a car accident while working for your employer, contact the Milford work injury lawyers at Rhoades & Morrow to receive the benefits you deserve. Call us at (302) 422-6705 or fill out our online form for a free consultation today. Located in Milford, Wilmington, and Bear, Delaware, we proudly serve clients throughout the state, including Elsmere and Seaford.


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