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Work Comp claims rising nationally for vehicle-crash injuries

| Aug 20, 2018 | Workers' Compensation

At our law firm, we advise and represent Maryland employees who were injured in car or other vehicle accidents while on the job.Our attorneys assist with related Workers’ Compensation claims as well as investigate these collisions to see whether any third parties could also have liability

For example, if another driver negligently or recklessly caused the accident such as by rear ending the worker’s car while texting behind the wheel or running a red light, that person may be liable for the injuries in a third-party personal injury lawsuit.

On August 14, the Insurance Journal reported on a five-year study by the National Council on Compensation Insurance that found that from 2011 to 2016, Workers’ Compensation claims have been declining nationally overall, while those stemming from work-related auto accidents were on the rise. NCCI’s president and CEO believes that the phenomenon may be related to the spike in distracted-driving crashes from increasing mobile-phone use behind the wheel. 

Insurance Journal shared the details of the study of on-the-job vehicle accidents: 

  • Work collisions tend to be “very severe.”
  • These claims comprise a “significant portion” of Workers’ Compensation death and dependency claims.
  • During the study period, Workers’ Compensation claims decreased 17.6 percent overall, but those involving vehicle accidents climbed five percent.
  • Of all death claims, 41 percent of them involved car or truck collisions.
  • Because of the severity of injury, car collision claims cost 80 to 100 percent higher than average claims.
  • During the five years, crash claims were 28 percent of those Workers’ Compensation claims higher than $500,000, but car accident claims were only five percent of all claims filed. 

Involving an attorney as early as possible in a vehicle-accident-related Workers’ Compensation claim can be smart because these claims can be complex. For example, it may need to be determined whether the accident occurred in the course of employment. Generally, Workers’ Compensation does not cover injuries incurred during regular work commutes, but there are narrow exceptions that can present complicated factual and legal issues.

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