Being involved in an accident while driving a work vehicle can be complicated, especially when determining liability and insurance coverage. In some cases, hiring a lawyer may be necessary to protect your rights and make sure you receive fair treatment. Here’s when you might need legal assistance.
Determining Liability Can Be Complex
Work vehicle accidents often involve multiple parties, including your employer, their insurance company, and potentially a third party. If there is a dispute over who is at fault, a lawyer can help investigate the accident, gather evidence, and ensure that you are not wrongfully held responsible.
If You Were Injured in the Accident
If you sustained injuries while driving a company car, you might be entitled to workers’ compensation benefits. However, workers’ compensation may not cover all expenses, such as pain and suffering. A lawyer can help determine whether you have grounds for additional claims, such as a third-party lawsuit if another driver was at fault.
When Your Employer Disputes Your Claim
Sometimes, employers or their insurance companies may deny liability or refuse to cover medical expenses and lost wages. If your employer claims you were not on duty at the time of the accident or that you violated company policies, a lawyer can help defend your case and prove your right to coverage.
If You Are Being Sued for the Accident
If another party involved in the accident decides to sue you personally, you need legal representation to protect your interests. Even though your employer’s insurance should cover damages, there are situations where you could be held personally liable, such as if you were using the vehicle for personal errands.
Dealing With Insurance Companies
Insurance companies may try to minimize payouts, whether it’s your employer’s insurer or the other party’s provider. A lawyer can negotiate on your behalf to make sure that you receive fair compensation for medical bills, vehicle damage, and other losses.
Conclusion
Not every work vehicle accident necessitates the use of a lawyer; nevertheless, if liability is uncertain, injuries are involved, or your claim is being contested, legal representation may be required. Consult an attorney to assist you in managing complex legal concerns and preserve your rights.