While driving between client appointments, a salesman suffered injuries in an auto accident that landed him in the hospital and led to several procedures and physical therapy. While the damage to his car was covered by his auto insurance, the primary coverage for his injuries were paid by his employer’s workers’ compensation insurance. And, the workers’ compensation coverage was much richer in benefits than his health plan insurance would have been. We won full payment for medical treatment (no deductible or copays), lost wages while missing work while under prescribed treatment (70% of gross salary), and a lump sum payment for permanent spinal damage. Workers’ compensation insurance covers everyone in the state no matter what kind of work or which employer. It covers all activity that is clearly on the job, even if not on the premises. (Dollar award confidential.)
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