A car accident on your way to work can always happen, but then, who insures?
If you have a car crash and it is your fault, you will be liable for the damages. But it can be more difficult if you were on your way to work or if you were driving a company car.
So the question is: is your employer liable for your car accident?
An employer can be liable for an employee's actions in certain circumstances; The employee’s actions were within the scope of employment.
The employee’s actions were done on the job.
The employee was doing something he was hired to do.
The employer benefited from what the employee was doing at the time of the accident. To summarize, if you have a car crash on the way to work, your employer can be held liable for the accident. However, if you have an accident with a company car or during your working hours, then your employer will not be liable.
Moreover, your employer may even pay for the injuries you suffered during the accident. The worker's compensation pays for an injured employee's medical bills and lost wages. So for an employee to be eligible for worker's compensation, he needs to have an injury caused by work duties during the course of employment. Now, is your employer liable for your car accident on the way to work? As we said, the employer can be liable if the accident occurred within the scope of employment. Commutes are not considered as a scope of employment, but there are some exceptions, like business trips or specials errands, where your employer may be liable for your car accident. For instance, if you stop to do some shopping after running a work errand but before returning to work and you have a car crash at the same time, your employer won't be liable.