What are my rights if I got into an accident while on the clock transporting product between stores as a favor to my manager but I was not insured?

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What are my rights if I got into an accident while on the clock transporting product between stores as a favor to my manager but I was not insured?

I didn’t have insurance at the time because I trying to save money to move. I thought that since I was on the clock that the company would be partially responsible similar as to getting injured on the job. However, the company I work for has refused to offer any help because I was not insured. Do you have any information on this situation?

Asked on June 16, 2015 under Employment Labor Law, Indiana

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

If you were hurt on the job and are seeking compensation for your own injury, appy for worker's compensation--you might be eligible. If your employer won't help, contact your state's worker's compensation board and/or labor department.

If you looking to compensation for other expenses or losses (e.g. car damage; or if someone else is suing you), you can sue any other person invovled in the accident whom you believe was at fault in causing it. But if there was no other party (e.g. it was a one car accident), or there was another party but you were clearly at fault, there is most likely no source of compensation or reimbursement for you. That, after all, is why people have insurance: to protect them when there is no one else who has to pay.


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