Thursday, June 21, 2012

Are You Insured: Workers' compensation insurance coverage by a ...

THE FACTS:

  • You are a truck driver for Company A;
  • Company A has a contract with Company B to transport produce;
  • You are injured when driving Company B?s vehicle by a driver who cuts right in front of your vehicle;
  • Company A tells you they do not carry workers? compensation insurance.

THE RESULT:

  • When you are injured at work, you are eligible to receive workers? compensation benefits from a ?statutory employer?;
  • You may be able to collect workers? compensation benefits from Company B;
  • You have a claim against the driver who caused the accident;
  • You potentially have an underinsured motorist claim under an employer?s automobile insurance policy;
  • You potentially have an underinsured motorist claim under your own automobile insurance policy.

THE BOTTOM LINE:

  • Never trust an insurance company?s claim that you are not entitled to coverage;
  • Often insurance coverage is available to compensate you for your loss;
  • Let us help you navigate the insurance minefield.
Protect your rights, contact me here.?

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