If you were injured in a vehicle accident while performing your job duties, you may be entitled to workers’ compensation benefits under California law. Whether you drive for a living or were simply running a work-related errand, injuries sustained while on the clock are generally covered by workers’ comp. Understanding your rights and the claims process is key to protecting your health and financial future.
When Is a Vehicle Accident Covered by Workers’ Comp?
A vehicle accident is typically covered by workers’ compensation if it happened while you were acting within the scope of your employment. This can include:
- Driving between job sites
- Making deliveries
- Running errands at the direction of your employer
- Traveling for a work meeting or event
- Transporting coworkers or equipment as part of your duties
Situations Not Typically Covered
Some driving situations fall outside of workers’ compensation coverage, including:
- Commuting to or from your regular workplace (the “coming and going” rule)
- Running personal errands on a work break
- Engaging in unauthorized travel or tasks unrelated to your job
However, there are exceptions, and it’s always worth consulting an attorney if you’re unsure.
Step 1: Get Medical Attention Immediately
Your health comes first. If you’re injured in an accident, seek medical treatment right away—even if your injuries seem minor. Let the doctor know that the injury happened while you were working.
- Call emergency services if needed
- Follow all treatment instructions
- Keep copies of all medical records and bills
- Request documentation that links the injury to your work activity
Prompt medical care also creates an official record of your injury, which is crucial for your claim.
Step 2: Report the Accident to Your Employer
Notify your employer as soon as possible. In California, you have 30 days from the date of the injury to report it, but sooner is always better. When reporting the accident:
- Provide details about the time, location, and purpose of the trip
- Include the names of any witnesses or other parties involved
- Submit the report in writing and keep a copy for your records
Step 3: Complete the Workers’ Compensation Claim Form
After reporting your injury, your employer must provide you with a DWC 1 claim form. Complete and return this form to your employer to officially begin the claims process. This may entitle you to:
- Medical treatment at no cost to you
- Temporary disability benefits if you’re unable to work
- Permanent disability benefits if the injury leads to long-term impairment
- Reimbursement for mileage to and from medical appointments
- Supplemental job displacement benefits if you can’t return to your prior duties
Step 4: Document Everything
Strong documentation can support your claim and protect you if the insurance company challenges your case. Be sure to:
- Take photos of the accident scene and your injuries (if possible)
- Request a copy of the police report (if one was filed)
- Keep a log of symptoms, treatment progress, and how the injury impacts your ability to work
- Save all correspondence with your employer and insurance provider
Step 5: Contact an Employment Law Attorney
Vehicle-related injuries can be complex, especially if the insurance company questions whether the trip was truly work-related. An experienced employment law attorney can help you:
- Prove your injury occurred during the course of employment
- Navigate the paperwork and deadlines
- Push back against delays, denials, or low settlement offers
- Maximize the benefits you receive under California law
At PLBH, we help injured workers fight for the support they deserve after being hurt on the job—whether behind a desk or behind the wheel. Call PLBH at (800) 435-7542 for a free, confidential consultation.