In the case of an auto accident should an employee file under workers’ comp or car insurance?

When an employee is in an auto accident during the “course of employment,” they should file under both car and workers’ comp insurance. Auto carriers will never pay a bodily injury claim on “course of employment” accidents whether the party is at fault or not.

In the case of a car accident, the First Report of Injury is actually the police report and it should be submitted to workers’ comp within 72 hours regardless of whether there seems to be any outward sign of injury. Medical issues can pop up weeks, months or years after an accident, but if a claim isn’t filed the cost to employers can skyrocket if not reported.