Many jobs in South Carolina require you to travel; some may lend you a vehicle just for work. What happens when you wreck the company car during working hours? Who is liable? There are several different scenarios in which you could be entitled to compensation; it all depends on your particular situation.
The wreck was my fault.
If you are found to be at fault for an on-the-job car accident in South Carolina, your employer is responsible for the damages to the other party. This means the other person injured in the accident will need to file a claim with your employer's car insurance company to cover repair costs and medical bills. To get the money you need to cover your own damages, you need to file a workers' compensation claim . If you don't tell your employer about the accident within 90 days, you could lose all rights to workers' compensation benefits. South Carolina is a "no-fault" state; this means, even if the accident was your fault, you may still be eligible to receive the money you need to cover medical bills, lost wages, and other expenses.
The wreck WASN'T my fault.
If you were hurt in an auto accident caused by another negligent driver, you may be entitled to compensation for your injuries in addition to your workers' comp benefits. After the accident, notify your employer right away. Take pictures, record witness testimonies, and document all evidence to protect your claim. Your employer's insurance company should send you to a doctor for medical treatment, the cost for which should be covered by workers' comp. The at-fault party's insurance company should cover all damages to the company vehicle. With multiple insurance companies, claims adjusters, and tons of paperwork, handling two personal injury claims can be a complex process. Consult with a car accident attorney who also has experience with work injury claims to help you make sense of it all and maximize your payout.
If you get into an accident while driving your employer's car, try not to panic. The South Carolina workers' compensation system is designed to protect you in the event of an accident - even if it's your fault. Before you talk to the insurance adjusters, you should talk to the experienced workers' comp legal team at George Sink, P.A. Injury Lawyers to discuss your rights .