Truck drivers spend thousands of hours on the road, which dramatically increases the chances of an accident. Fortunately, if you’re injured in a collision or a warehouse incident, workers’ compensation may cover the cost of your medical treatment and lost wages. Below are answers to questions truckers often have about the workers’ comp system.
A Guide to Workers’ Compensation Questions for Truck Drivers
Are all truckers eligible for workers’ compensation?
If you drive as an employee for another company, you’ll likely be covered by their workers’ compensation insurance. However, many truckers work as independent contractors who drive their own rigs and set their own work schedules. These contractors are generally excluded from coverage, so you may have to file a personal injury claim to collect compensation for your damages.
What if I’m injured in another state?
Due to the nature of the trucking injury, you may be injured in an accident a thousand miles from home. In this situation, you’ll likely have to return to your employer’s home state for treatment. Most transportation companies in Iowa include a jurisdiction clause in the employment agreement you sign when accepting a job.
What injuries does workers’ compensation cover?
Workers’ compensation is designed to cover any injuries related to an on-the-job accident. This includes injuries related to collisions, falling cargo, or slipping and falling at a truck stop. You may also be able to file a claim for repetitive motion injuries like back strain and chronic illnesses caused by your working conditions.
Why are workers’ compensation claims denied?
If you’re classified as an independent contractor, the trucking company’s insurance company may deny your claim. Insurers may also claim that you were driving under the influence or acting with extreme recklessness at the time of your injury.
Workers in Iowa are required to report any injuries to their employer within 90 days. Missing this deadline can cause your claim to be denied, but an attorney has an in-depth understanding of the system, which will help you meet deadlines and appeal denied claims.
If you’ve been injured in a trucking accident, the attorneys at The Law Offices of Gallner & Pattermann, P.C. will help ensure you receive the benefits you deserve. They’ve been representing injured workers throughout the Council Bluffs, IA, area since 1974, delivering a level of service that has earned them recognition from some of the nation’s leading legal organizations. Visit their website for more on their workers’ compensation services, follow their Facebook for tips and advice, or call (712) 323-0999 to schedule a consultation.