Navigating Massachusetts roads is a daily necessity for many workers including delivery drivers, tractor-trailer operators, truck drivers, shipping companies, sales representatives, home healthcare providers, and field service technicians. When these individuals are involved in accidents during the course of their employment, serious injuries can occur and understanding their legal rights becomes paramount, especially in relation to workers’ compensation benefits and third party claims against the at-fault driver.

In Massachusetts, if you’re involved in an car accident during the course of your employment, you’re entitled to workers’ compensation benefits which is governed by Mass. General Laws c.152. Navigating the complexities of motor vehicle accidents during the course of your employment can be complex, with specific limitations and nuances to WC coverage.

Typically, accidents during your regular commute to and from work are not considered work-related, a principle known as ‘the Going and Coming Rule‘. In contrast, if your job duties involve driving, such as delivery drivers or tractor-trailer drivers, any accident you encounter falls under the purview of workers’ compensation. However, there are exceptions to ‘the Going and Coming Rule’, depending on the specific circumstances, for example:

• An employee sent on a special errand. If a worker is asked by their employer to go to the Post Office or to the bank during their work day. That employee would be entitled to workers compensation if involved in an accident.
• An employee who regularly leaves their office to perform their work. This is known as the ‘traveling employee’ exception. For example, a Social Worker or Home Health Care Worker who travels to patient’s homes. Or a project manager who travels between job sites during the course of their work day. The case of Valerie Hatch clarifies the “traveling employee” exception under Massachusetts law, demonstrating that workers commuting from assignments at distant locations may be entitled to workers’ compensation for injuries sustained during travel.
• An employee who is injured while on the employer’s property and is either going to or coming from work. For example, a employee who is leaving for the day, walking to their vehicle in the employer’s parking lot and is struck by another vehicle or slips and falls on ice.

In these scenarios the employee would be covered by workers compensation benefits.

Personal injury protection (PIP) benefits under conventional Massachusetts vehicle insurance doesn’t apply in work-related motor vehicle accidents, workers’ compensation steps in, covering medical bills for reasonable medical care, a percent of your weekly earnings (lost income), and in the case of serious injuries, compensation for scarring, disfigurement, and job retraining. Similar to PIP benefits, Workers’ Compensation benefits are applicable regardless of fault.  However, workers compensation doesn’t provide compensation for pain and suffering.

Third-Party Claim Against the Negligent Driver

Whether the accident occurred in Boston, MA, or any other city in Massachusetts, if the accident resulted from another driver’s negligence, you’re positioned to assert both a workers’ compensation claim and a personal injury claim against the at-fault party, potentially broadening your channels for securing fair compensation. This is referred to as a third-party claim. A third-party negligence claim can open the door for compensation not available under Workers’ Compensation, such as full reimbursement for lost wages, medical costs, as well as pain and suffering damages.

If you’re involved in a motor vehicle accident during the course of your employment in Massachusetts, it’s crucial to take certain steps to safeguard your legal rights and ensure fair compensation for any property damage, lost income, and medical expenses incurred. 

• First, call law enforcement to the scene of the accident to file a police report, a vital step in documenting the event and the extent of any serious injuries.
• It’s also important to seek immediate medical attention, even if injuries aren’t immediately apparent, as some car accident injuries can manifest later. This not only prioritizes your health but also provides a record of medical treatment, critical for a workers’ compensation claim or personal injury claim.
• Next, gather contact and insurance information from the at-fault driver and any witnesses, and take pictures of the accident scene if you can. This documentation can be crucial when dealing with insurance companies or if you decide to pursue legal action. 
• Inform your own insurance company about the traffic accident, and seek legal advice. Remember, Massachusetts law and the statute of limitations can affect your claim, so it’s wise to consult with a personal injury lawyer who understands the legal process and can guide you through a potential claim.

If you were injured in a workplace accident or another incident involving potential third-party liability, speaking with a Dorchester personal injury attorney early can make a difference in your case. At Gavagan Law, we offer free consultations to injured individuals throughout Dorchester, Boston, and surrounding Massachusetts communities. Our firm has a deep understanding of Massachusetts personal injury law, workers’ compensation claims, and third-party negligence actions, allowing us to identify all available sources of compensation. We guide clients through the claims process, handle communications with insurance companies, and work to secure the full range of benefits and financial recovery the law allows. Contact Gavagan Law today to schedule a free consultation and learn how we can help protect your rights.