The nature of work is changing, and so are the circumstances under which injuries occur. What if you sustain injury while traveling for a work conference, or while driving a company vehicle home as permitted by your employer? These situations require a closer look to determine if workers’ compensation is applicable.
General rule for work travel
Most states, including Arkansas, have a guideline called the “going and coming rule.” This rule generally means workers’ compensation does not cover accidents during your normal commute to your workplace or when returning home. The idea is that your workday has not yet started or has already ended.
When work travel might be covered
While the general rule seems clear, certain situations can change things. These exceptions are important to understand if your injury happened during travel:
- Travel as a key job duty: If driving or traveling is a fundamental part of your job responsibilities, such as for sales representatives or service technicians, then an accident during such travel likely qualifies. Your job itself puts you on the road.
- Special errands for your employer: Suppose your employer directs you to perform a task outside your normal duties and at a location different from your usual workplace. An injury during this “special mission” may be covered.
- Using employer-provided transportation: If your employer requires you to use the transportation they supply, or if travel is a significant benefit provided by them, accidents during this transport can lead to a valid claim.
- Travel between company work sites: When your job requires you to move directly between two or more distinct company locations during your workday, injuries sustained during that travel can be compensable.
- Injury on employer premises: Accidents happening on property your employer owns or controls, such as a company parking lot or sidewalk, even right before or after your shift, can sometimes be covered.
These exceptions can make your situation less straightforward. Proving your travel fits an exception often requires careful argument and evidence.
Legal guidance is crucial
Often, insurance companies dispute travel-related claims, hoping to avoid payment. When pursuing workers’ compensation, it can be advantageous to enlist the help of an experienced Arkansas attorney. They can help secure the benefits you deserve, taking the stress off your shoulders.