Injured While Working?
Injured while working? not on your way to the job, not grabbing lunch, but while handling business. If that happened behind the wheel, it’s time to understand what rights Florida law puts in your hands. This is Attorney Gabe Carrera, The Attorney That Rides, and I’m here to break it down for my fellow working warriors and road riders.
Injured While Working? Don’t Let the System Leave You Behind
Motor vehicle accidents while on the clock are more common than folks think. If you’re working and that crash hits, Workers’ Compensation coverage is often your first stop. Your employer’s insurance may send you to a doctor for evaluation and require a drug screening to fire up the claim. That’s standard—but it’s only part of the story.
More Than Just Workers’ Comp, Know Your Options
Too many workers assume they’re locked into Workers’ Compensation. False. If you weren’t at fault and the other driver has Bodily Injury liability coverage, you’ve got another lane to ride down, filing a claim against that driver’s insurance. Now we’re talking double power: Workers’ Comp and a third-party claim.
UM/UIM Coverage: The Safety Net You Didn’t Know You Had
If the other party has no insurance or low coverage, don’t panic. If you, or the vehicle you were in, has Uninsured/Underinsured Motorist (UM/UIM) coverage, you may be able to tap into that to make up the difference. It’s built for situations like this: when the at-fault driver can’t pay up.
Your Treatment Path Matters – Choose Wisely
Your recovery isn’t just physical, it’s legal. Florida gives you options:
- Use your employer’s Workers’ Comp coverage
- Tap into your private health insurance
- Rely on your Personal Injury Protection (PIP)
Each path shapes your case and affects your payout. Make the wrong call, and you could miss what you’re owed.
Subrogation: Don’t Get Blind-Sided
If your insurance or Workers’ Comp pays anything, they’ll likely place a lien on any future recovery from the at-fault party. That’s called subrogation. Basically, they’re saying, “If you get paid, we get paid.” The good news? This does not apply to any UM/UIM payout you receive.
They’ll send you a breakdown of what they spent – which can also be used to prove your real damages to the other driver’s insurer.
The Road Can Be Twisted – Don’t Ride It Alone
Getting injured while working and driving is a legal maze. Insurance companies aren’t looking out for you—but I am. At The Attorney That Rides, I handle both Workers’ Compensation and Personal Injury cases. You don’t need to navigate this road without a guide.
Call me today for a free consultation. Let me help protect your rights, secure your recovery, and get you back on the road.
