Covering injury expenses after an on-the-job car collision

In today’s economy, increasing numbers of people are employed as drivers. Rideshare app drivers, delivery jobs, and personal shoppers are a few of the most common ones.

Of course, being on the road more frequently means your chances of a car collision increase as well. What happens when you get in a wreck while on the clock?

What to do when filing for coverage

Gig economy workers have been fighting for protections for several years, and currently must provide their own coverage. Although companies like Uber have announced they’ll offer their own version of worker’s compensation, some feel the insurance doesn’t go far enough.

On the other hand, when you drive a company vehicle as an employee, you can qualify for worker’s compensation. Here are some tips for preparing to file a claim after an on-the-job car accident:

• Preserve and gather all medical records from before and after your injury. You’ll need to provide proof of the medical treatments that were necessary for your injuries. Include medical receipts and any additional exams your attorney or insurance provider required.
• Obtain a copy of your accident report from the responding officer. You’ll want to present the on-the-record account of what happened.
• Gather witness statements. Take statements from anyone who saw the accident or any co-workers who were in the vehicle with you.
• Be thorough. Make sure everything is labeled, in writing, with copies for your own records. Begin documenting from the moment the accident occurs, and save receipts.

If you are a gig worker with private insurance, you should still follow these tips to help ensure your insurance provider compensates you properly. Retaining an attorney to help in either case is key to making sure all of the steps are covered.