Third-Party Personal Injury Claims for Work-Related Vehicle Accidents in La Quinta
Workers’ compensation insurance may prevent you from filing a civil claim against your employer in response to your work-related car or truck accident, but this does not mean that you will have no other options for enhancing your recovery. When a third party outside of your work is responsible for an accident, you can file your workers’ compensation claim because the injury occurred while you were performing your job duties, but you can also pursue additional compensation against the specific party responsible for your damages.
A third-party personal injury claim can enable the victim of a work-related car or truck accident in La Quinta to recover damages that workers’ compensation will not cover. If you were hurt while driving for work, a workers’ compensation claim is likely to be just one phase of your recovery efforts. You would then face a similar process as you could expect after any other vehicle accident. First, you can file an auto insurance claim against the at-fault driver, and if this does not yield full compensation for your damages, you can proceed with your third-party personal injury suit.
Workers’ compensation is likely to cover your medical expenses and a portion of your lost income, and an auto insurance claim against an at-fault driver may yield repayment of vehicle repair costs and other damages not covered by workers’ compensation insurance. A subsequent personal injury suit against the at-fault third party would then enable you to recover any outstanding economic losses as well as compensation for your pain and suffering.
Proving Fault for Your Work-Related Car or Truck Accident
Fault does not always come into play in workers’ compensation cases. It is possible for an injured worker to cause their own injury and still qualify for workers’ compensation benefits as long as the injury resulted from an honest mistake made while working in good faith. Fault will, however, play a major role in any further legal recourse the injured worker pursues following a work-related car or truck accident.
California enforces the fault rule for vehicle accidents, meaning the driver responsible for causing an accident is fully liable for all resulting damages. All drivers are required to carry auto insurance that includes property damage liability coverage and bodily injury liability coverage, but the injured driver will need to firmly establish fault for the accident before filing their auto insurance claim and/or a personal injury suit against the at-fault driver. A few of the most common causes of vehicle accidents in the La Quinta area include: