Can I claim workers' compensation if injured in a car accident at work, On Lunch, or on my way to or from work?
Yes you can, and if you are involved in a motor vehicle accident, whether it is a car, motorcycle or truck accident, if it occurred in the course of your work, or on your way to or from your workplace, then you have a right to claim workers' compensation in relation to your accident injuries.
Frequently Asked Questions On Workers Compensation Claims After A Car Accident
What Is A 'Journey Claim' In Workers Compensation?
Where a worker suffers injury in a traffic accident on the way to or from the workplace, these workers' compensation claims are commonly referred to as "journey claims".
There are some circumstances where the workers' compensation insurer can reject a claim for compensation in relation to injuries sustained in a journey claim.
This is where there has been a substantial deviation or delay in the journey to or from the workplace.
What Is 'Abnormal Risk' In Workers Compensation?
Even if you are injured in a car accident during a work break, as long as you were not subjecting yourself to an "abnormal risk" at the time of the accident occurring, you can claim workers' compensation.
An example of an "abnormal risk" would be where a worker decides to go drag racing with a co-worker in the vacant lot next to his workplace during his lunch break, which is not very clever at the best of times!
What Would An Example Of A Journey Claim In Brisbane, The Gold Coast Or Across Queensland Be Like?
Okay so for example, lets say 'Mary' is on her way home from work, Mary deviates from her course home to pick up some groceries at the supermarket.
After leaving the supermarket, she is involved in a car accident on her way home.
The workers' compensation insurer is likely to reject Mary's claim for workers' compensation because of Mary's deviation to go shopping on her way home from the workplace.
How Does WorkCover Queensland Assess Journey Claims?
The workers' compensation insurer, which is usually WorkCover Queensland, will look at when and where the accident occurred when the application for workers' compensation is made.
They do this to assess whether there has been sufficient enough of a delay or deviation to reject the claim under the Workers' Compensation & Rehabilitation Act 2003.
How can Having A Workers' Compensation Claim Can Be Very Helpful After A Car Accident?
This is because it allows you to have any time off work you need for your accident injuries in order to recover properly before returning to work.
In most circumstances, 85% of your lost wages will be paid to you by the workers' compensation insurer.
Who Pays For My Medical And Rehabilitation Treatment I Need?
You will be entitled to funding of medical and rehabilitation treatment you need for your accident injuries.
The workers' compensation insurer will meet this funding until such time as your injuries are deemed stable and stationary by your treating doctors.
Once this occurs, then your workers' comp claim will cease.
What About My Employer During This Journey Claim?
Also, you do not have to be concerned that your employer will be significantly impacted by your workers' compensation claim.
If the accident was not your fault, the compulsory third party insurer of the at-fault vehicle will be required to reimburse the workers' compensation insurer for your workers' compensation claim.
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Even More Frequently Asked Questions On Workers Compensation Claims After A Car Accident
How Do I Lodge A Motor Accident Claim With The CTP (Compulsory Third Party) Insurer?
When you are injured in a motor vehicle accident, and the accident is not your fault, then once we lodge a motor accident claim on your behalf with the Compulsory Third Party (CTP) insurer of the at-fault-vehicle, the CTP insurer will obligated under the Motor Accident Insurance Act 1994 to fund any medical or rehabilitation treatment your doctors say you need for your accident injuries.
When Does The CTP Insurer Claim End?
This obligation on the CTP insurer continues until your motor accident claim ends, that is, when you are paid out lump sum compensation by way of damages for your accident injuries.
If the motor vehicle accident was your fault, then unfortunately you cannot make a motor accident claim for damages.
However, you may be able to claim a lump sum statutory payment of compensation from the workers' compensation insurer at the end of your workers' compensation claim.
Especially if you are assessed by medical specialists as suffering a degree of permanent impairment due to your accident injuries.
Am I Entitled To Receive Some Statutory Lump Sum Compensation?
So if the injuries caused by the car accident have resulted in you suffering a percentage loss of bodily function, then you will be entitled to receive some statutory lump sum compensation from the workers' compensation insurer.
When you are involved in an accident, even though you may think the accident was in some way your fault, it does not necessarily mean that you do not have a claim for compensation or damages.
Are Employers Ever Responsible For Motor Vehicle Accidents?
In some motor vehicle accidents associated with work, the employer can be responsible for the accident occurring.
An example of this is providing the worker with a vehicle that was not properly serviced and maintained and this contributed to the cause of the accident.
Another example may be where the employer required the worker to work extensive hours without proper rest breaks, resulting in the worker suffering fatigue and suffering an accident on his way home from work.
Would I Still Have A Claim Even If I Played A Part In Causing The Injury?
Sometimes, people think that they don't have a motor accident claim because they may have played some part in the accident occurring.
However, this does not mean you cannot claim for the contribution of the other driver or at-fault party to the accident occurring.
How Can I Claim For The Other Driver Causing The Accident?
For instance, you are turning from the highway into a street and a vehicle coming through the intersection collides with your vehicle causing you serious injuries.
The other vehicle may have had right of way, BUT, in the circumstances of your case, the other driver should have clearly seen you turning well prior to the collision and could have avoided, if they had been paying proper attention.
In such a case, you may have a car accident claim against the other driver.
How Much Compensation Did Other People Get Awarded For Their Injuries?
To help you understand more how much other people, (who may have similar injuries to you) were awarded for their compensation claims, we pulled together some real life Compensation Claim example case studies.
Useful Links About Work Injuries & Workers Compensation
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More links to content relating to this pages subject:
- See the case of QComp and John Kennelly v Qantas Airways (C/2012/16).
- See the case of Brew v Workcover Queensland, where Mr Brew was injured on the way home from work in a car accident after falling asleep at the wheel of his car. Mr Brew had been working excessive overtime and not being provided with sufficient work breaks by his employer, and the court held that the employer had therefore contributed to the car accident occurring.
- See the case of Purt v Workcover Queensland, where Mr Purt was injured when the work vehicle he was driving hit a rock concealed in long grass and rolled over whilst travelling in a remote area. The Court held the employer had contributed to the accident because a four wheel drive vehicle should have been provided to the worker given the type of terrain he had to travel over in the course of his work.