Driving a commercial truck for work can be difficult and hazardous, especially for those who travel long distances across the country. Employers must ensure that their workers are well-protected in such situations. One of the best ways to do so is through workers’ compensation benefits.
It’s easy to assume that worker’s comp does not apply to people who are not “on location.” We often view work as a place you go, report in, and leave when your shift is over. Workers’ comp, however, applies to any performing a task for their employer, regardless of their physical whereabouts.
If you are a commercial truck driver, and you get into an accident on the job, you are eligible for workers’ comp alongside any other insurance benefits. Here is a broad overview of how truckers should set up and use workers' compensation.
Benefits of Workers’ Comp for Truckers
Generally, workers’ comp can cover a trucker’s medical expenses, rehabilitation costs, loss of wages, and even death benefits. Most employers are legally required to provide their employees with adequate coverage of these components.
Qualifications for Workers' Compensation in a Trucking Accident
Working in the trucking industry can be a dangerous occupation, and accidents happen.
Generally speaking, commercial truckers can receive workers’ comp while performing any job duties. Examples include:
- Cargo loading accidents
- Repetitive motion injuries
- Accidents during delivery, whether picking up or dropping off
An employee must prove that their injury was work-related. This aspect of the claim can be a challenge, as most insurance companies look for any excuse to deny benefits.
Steps to Take When Filing a Trucking Workers’ Compensation Claim
- Take immediate steps to seek treatment, especially in an emergency.
- Contact your employer as soon as possible and report the incident. They should provide you with the proper paperwork to file your claim.
- Gather all relevant documents, including:
- Medical records
- Bank statements or other records that show the expenses related to your injury
- Images of your injuries; These can include both pictures and medical imaging.
Speak With an Attorney Before Filing for Workers’ Compensation
Before you file a claim, it's important to consult with an experienced attorney. They can help guide you through the process and ensure that your rights are protected.
Here are a few reasons why consulting an attorney is essential:
- They can help determine if you have a valid claim. Not every workplace injury qualifies for workers’ comp benefits. A lawyer can review your case and help determine if you have a valid claim.
- They can help ensure that you receive fair compensation. Insurers often minimize the amount they pay out. An attorney can negotiate on your behalf.
- Legal representation can reduce stress. Dealing with an injury and the legal system at the same time can be overwhelming. By hiring a lawyer, you can focus on recovering from your injury while someone else handles the paperwork.
- They can help with appeals. Insurance claims are often denied. Denial is a big part of any insurance company’s business model. Your attorney can help keep an insurance company honest, giving you the benefits you require and deserve.
Alex & Associates, P.C. can help truckers with workers’ compensation claims, and we are also there for clients who need compensation in any auto accident. For a free consultation, you can reach us by filling out our online contact form or by calling us at (602) 483-6114.