Consider the following…
Sally Accident works for Take It To ‘Em – a going concern among delivery service companies. As a delivery driver, Sally is on the road most of the day, driving the vehicle provided by Take It To ‘Em. While hustling (not speeding) from one customer to the next, Sally is frustrated that the stoplight gods seem to be picking on her. Resisting the temptation to accelerate through an intersection, she knows her job is at stake, and so acknowledges the yellow caution light and stops short of the crosswalk. The driver behind Sally, upon seeing the initial changing of the green to yellow light, had punched his accelerator, assuming Sally would do the same. Driving a heavy truck, that driver was unable to stop in time and rear-ended Sally. Like most accidents of this nature, and at this speed, Sally got to experience the reality of whiplash – wherein the seat of the car drives the torso ahead while the head momentarily remains stationary. What results for many, and did indeed for Sally, is what the medical community refers to as hyperflexion followed by hyperextension of the cervical region. The adrenaline of the crash led Sally to believe she was shook up, but not badly injured. However, by the time her vehicle was towed, Sally had a headache, her shoulders began to tighten, turning her neck to the left was painful, and she craved an anti-inflammatory to address the pain coming from her upper back.
If you were recently involved in an auto accident like Ms. Accident’s, there are number of issues of which you should be made aware:
1. Much of Your Out-of-Pocket Expense is Covered by Workers’ Compensation Insurance.
As with any personal injury which occurs on the job in Oregon, your injury is covered by workers’ compensation insurance. Common insurable damages provided through workers’ compensation insurance include medical bills, lost wages, and disability payments. It is my opinion that if you are injured at work, you should immediately contact a workers’ compensation attorney to “watchdog” the insurance carrier’s handling of your claim. A workers’ compensation attorney does not generally charge for their services unless they discover a mistake by the insurance company (i.e. unless the lawyer is able to secure additional funds for your claim). Because of this, workers’ compensation attorneys do not get paid on every case. This makes hiring a workers’ compensation attorney a very simple decision: get one. While I specialize in personal injury cases, I do not handle workers’ compensation claims. Knowing a few competent workers’ compensation attorneys, I would be happy to refer you; these are specialists who have obtained excellent results for my clients.
2. In addition to the workers’ compensation claim, you are entitled to damages from the responsible party.
If your auto accident was caused by another’s negligence, you are entitled to make a personal injury claim against the at-fault driver and his or her insurance. However, as workers’ compensation insurance is available, in seeking damages, there are applicable rules. If you pursue a personal injury claim against the responsible driver, the workers’ compensation insurer is entitled to reclaim a portion of any money they provided for your damages. Accordingly, in Oregon, the workers’ compensation carrier will send the injured party (you) an election form, where the injured person must choose whether they want to exercise their right to pursue the personal injury claim independently from the workers’ compensation carrier. Damages awarded through the personal injury claim are subject to what is called subrogation; in other words the workers’ compensation carrier has the right to some reimbursement.
To a lay person, this sounds complicated. Actually, it is not difficult for the injured person to elect to pursue an injury claim directly against the at-fault driver. The complexity lies in resolving the claim equitably – making sure the injured party is fairly compensated.
3. PIP is not applicable, because Workers’ Compensation is the primary insurance.
As you may be aware, personal injury protection (PIP) is Oregon’s no-fault required coverage as provided on auto insurance policies. PIP covers the medicals and wage loss of any individual injured in an automobile related accident. PIP, however, is not the primary insurance in situations where a party is injured while operating their vehicle as part of their job description (the policies specifically exclude it). Why? If an employee is injured in the course of related activities of their job, worker compensation insurance becomes the primary insurance.
4. Workers’ Compensation will not pay 100% of your damages; to realize 100%, you need to bring a claim against the responsible party.
Workers’ compensation does not pay 100% of your wage loss and, quite frankly, generally does not pay a fair sum for your injuries. In order to recover damages to the extent of what you will feel is truly fair, an injury claim directly seeking damages from the driver of the other vehicle will most likely be necessary. While this may seem inconvenient and complicated, a competent personal injury attorney can help you through the process and help you maintain financial stability – without taking too much of your time.
5. Conclusion
The bottom line: If you were in an auto accident while working, it would be a good idea to talk to an auto insurance attorney about your case. If you are in Oregon (or were in an auto accident in Oregon), feel free to call me at 971.227.8947. The consultation is free.
DISCLAIMER: The article is intended for information purposes only and is NOT intended to create an attorney client relationship or give you specific advice regarding your claim. The information below regarding personal injury claims may not apply to your case, even if it appears applicable. You are encouraged to take your personal injury case to a qualified attorney in your area immediately. Your injury claim may be barred by a statute of limitations, which in some cases could be as little as a month. If you do not file a notice of claim or a lawsuit within that time period you may lose your right of recovery for your personal injury claim.


