Car accidents are stressful, but if you’re involved in one while driving a work vehicle, the situation can become even more complicated. Who is responsible for the damages? Are you covered by workers’ compensation? Can you file a personal injury claim?

If you’ve been injured in a work-related car accident in Florida, it’s important to understand your rights. Here’s what you need to know.

Workers’ Compensation Covers Work-Related Injuries

In Florida, if you’re injured in a car accident while performing work duties, you’re likely entitled to workers’ compensation benefits through your employer. These benefits cover:

• Medical expenses

• A portion of lost wages

• Disability benefits (if the injury prevents you from working)

Since Florida’s workers’ compensation system is no-fault, you can receive benefits even if you were responsible for the accident—as long as you were on the job at the time. However, workers’ compensation does not explicitly cover pain and suffering. That’s where other legal options may come into play.

Your Employer’s Insurance May Cover Damages

Florida law requires businesses to carry commercial auto insurance for company vehicles. If you were driving a work vehicle and caused an accident, your employer’s insurance will likely cover:

• Property damage

• Injuries to others involved in the crash

However, if another driver was at fault, their insurance should cover your damages through their bodily injury liability coverage. If they don’t have enough insurance, you may be able to file a claim under your employer’s uninsured/underinsured motorist coverage (if they have it).

You May Be Able to File a Personal Injury Claim

If another driver was responsible for the accident, you have the right to file a personal injury claim against their insurance. This could provide compensation for:

• Pain and suffering

• Medical bills beyond workers’ compensation coverage

• Lost wages not fully covered by workers’ comp

Even if you receive workers’ compensation, a personal injury lawsuit may allow you to recover damages not covered by workers’ comp.

In some cases, if your employer’s negligence contributed to the accident (e.g., failing to maintain the vehicle properly), you may also have a legal claim against them.

You Could Be Personally Liable in Certain Cases

There are some situations where you might be held personally responsible for the accident, including:

• Using the company car for personal errands (outside of work duties)

• Driving under the influence of alcohol or drugs

• Engaging in reckless or illegal behavior

If you were not on the clock or violated company policies, your employer’s insurance may deny coverage, leaving you personally responsible for damages.

What Should You Do After a Work Vehicle Accident?

If you’re involved in an accident while driving a company car in Florida, follow these steps:

• Call 911 – Report the accident and request medical help if needed.

• Seek Medical Attention – Even if you don’t feel injured right away, get checked out.

• Notify Your Employer – Inform your supervisor or HR department immediately.

• Document Everything – Take photos, gather witness information, and get a copy of the police report.

• Speak With a Personal Injury Attorney – A lawyer can help you navigate your legal options and ensure you receive fair compensation.

Final Thoughts

Car accidents involving work vehicles in Florida can be legally complex. Depending on the situation, you may be entitled to workers’ compensation, insurance benefits, or a personal injury claim.

At The Law Offices of Rotstein, Shiffman & Broderick, we help injured workers understand their rights and fight for the compensation they deserve. If you’ve been in a work-related car accident, contact us today for a free consultation!