Work Vehicle Accidents Defending the Commonwealth

Our Kentucky workers' compensation lawyers are here to represent you if you are injured in a workplace accident. We will fight tirelessly to get you the compensation you deserve. Call today for a no-cost strategy session with our team! 

Bowling Green Work Vehicle Accident Attorneys

Find out who pays after a work vehicle accident.

Company cars can get into accidents just like every other vehicle on the road. There are, however, unique questions that can arise in such a situation. If you have been involved in a work vehicle accident, you likely have questions about your personal liability exposure and who will pay for the damages resulting from the accident. Learn more about your rights in this situation and, as always, we are here to answer any questions you may have.

Is the Employer Liable for an Employee Car Accident?

Whoever is at fault for causing an accident can be held liable for the resulting damages. Usually, the insurance company for the at-fault party will be the one on the hook for paying out. This means that, if you were in a car accident caused by someone else, the at-fault party will be held liable. This remains true regardless of whether you were in a work vehicle or not. Without the assignment of fault, neither you nor your employer will be liable for the accident.

If you cause an accident when driving your work vehicle, however, it is not likely that you will be held liable for the accident. Instead, your employer, or their insurance company, will be held liable in most circumstances. Because you were operating your employer’s vehicle, your employer can be held vicariously liable for the wrong you committed within the “scope of employment.” Thus, the insurance policy held by your employer is most likely to be paying out on any accident claims resulting from your permissive use of a company vehicle.

Who Pays in a Company Vehicle Accident?

When you are in a company vehicle accident caused by another driver, then the insurance company for the at-fault driver will be responsible for paying. If you were at fault for causing the company vehicle accident, then it is most likely that your employer’s insurance company will be paying. Regardless of who was at fault, workers’ compensation may also be paying you benefits to cover expenses related to any injuries you may have sustained in the accident. Remember, workers’ compensation will pay for work-related injuries regardless of fault. If the other driver was at fault for causing the accident, however, the workers’ compensation carrier will have a right of recovery against any personal injury settlement levied against them. This means that the workers’ compensation carrier can seek reimbursement of some of the benefits paid out due to injuries caused by the accident.

Does an Accident in a Work Vehicle Affect Personal Insurance?

An accident in a work vehicle is not likely to affect personal insurance as it is unlikely that an employee’s personal insurance will come into play. If another driver was at-fault for causing the accident, their insurance company will likely pay. If the employee was responsible for causing the work vehicle accident, the employer’s insurance company will likely pay. Because it is the employer’s insurance policy that will pay, the employer will likely take the hit for increased insurance premiums.

Take the important step of pursuing your legal rights to compensation after a work vehicle accident by contacting our dedicated team of attorneys at the Kentucky Law Center.

Time is of the essence after any kind of car accident, work vehicle accidents included. Do not delay in reaching out to our trusted lawyers who can begin immediately protecting and pursuing your legal rights to compensation.

Take advantage of our free consultation by contacting us at (270) 423-0023 or through our online contact form.

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  • Injured Delivery Person

    It started with a call –someone had slammed into the back of our client’s car while the client was on the job. The other driver had tried to pass our client over a solid yellow line because he didn’t see that she was turning. Our client had neck surgery and didn’t know what to do.

  • Workers' Compensation for a Police Officer $150,000

    Our client was a 30 year veteran for law enforcement officer whose career ended after a tragic shooting. The officer had worked his way up the chain of command, starting as a patrol officer and ending as a Lieutenant.

  • Workers' Compensation Settlement $130,000

    J.D. approached Kentucky Injury Law Center after the insurance denied his claim. JD had previously undergone back surgery but had fully recovered from that surgery when he injured his back while working for his new employer.

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    N.W. suffered serious injuries after falling from 20 feet working as a utility lineman. The insurance company paid for N.W.’s medical bills and paid him TTD income benefits when N.W. was released from work, the insurance carrier sent him a settlement offer for $20,000.00 to settle his work compensation claim.

  • Severed Thumb on the Job Settlement $70,000

    Like many injured workers, J.H. thought his employer would take care of him after injury severing part of his thumb while helping the employer is a secondary business. The employer tried to claim that J.H. was not an employee of the secondary business and the insurance company denied giving J.H. any income or medical benefits.

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    J.P. had been a hard worker all his life. He had worked at his employer for over 26 years, rarely missing a day. However, it only took one day for his life to change when a compressed coil spring got loose and struck him in the head, causing to fall and injure his back as well. J.P. suffered both a traumatic brain injury and traumatic back injury requiring several surgeries.

  • Settlement for Hydraulic Equipment Injury $150,000

    K.G. injured his neck while working on hydraulic equipment. Initially, the insurance carrier argued that his neck condition was a degenerative condition and that it was not responsible for paying for any medical treatment.

  • Accident in Company Truck Settlement $150,000

    J.W. had worked as a truck driver for over 10 years when he was involved in an accident while driving. J.W. thought he would be ok and did not seek immediate attention; however, that turned out not to be the case. He sought medical treatment and even though the insurance carrier paid for some of the medical treatment, it quickly paid its own doctor to state all of J.W.’s symptoms were not related to the accident.

  • Shoulder Injury Settlement $150,000

    A.M. was an employee of a government agency in Louisville. He injured his shoulder at work and was not sure what the next steps were to take as he did not think he could return to his old job.