THE FACTS:
  • You are a truck driver for Company A;
  • Company A has a contract with Company B to transport produce;
  • You are injured when driving Company B’s vehicle by a driver who cuts right in front of your vehicle;
  • Company A tells you they do not carry workers’ compensation insurance.
THE RESULT:
  • When you are injured at work, you are eligible to receive workers’ compensation benefits from a “statutory employer”;
  • You may be able to collect workers’ compensation benefits from Company B;
  • You have a claim against the driver who caused the accident;
  • You potentially have an underinsured motorist claim under an employer’s automobile insurance policy;
  • You potentially have an underinsured motorist claim under your own automobile insurance policy.
THE BOTTOM LINE:
  • Never trust an insurance company’s claim that you are not entitled to coverage;
  • Often insurance coverage is available to compensate you for your loss;
  • Let us help you navigate the insurance minefield.