In countries like the United States, it is mandatory for truck companies to have truckers workers’ compensation insurance. Some of the coverage that the insurance offers includes:
- Lost income
- Death benefits
- Medical expenses
- Rehabilitation costs
There are instances when the equipment owner in a particular truck company is the driver. In such a case, the driver ought to be covered by a policy known as owner-operator workers compensation cover.
Workers compensation basics
A lot of people are aware of the workers’ compensation basics, the most common being that it is a requirement by the government for all industries to protect their employees who might get injured in the process of doing their job.
The protection should cover things such as disability, illness, deformity resulting from the job or any other health-related problem. To receive your share for the workers’ compensation payments, you must, first of all, inform your employer about the injury, and after that, you file a compensation claim for workers.
Also to avoid being misled by employers who might be unwilling to give you the exact amount of share you deserve, it is advisable you hire an attorney to take you through the claiming process.
Commercial truck insurance
This is another protection piece that is very necessary for trucking companies. It offers protection for the trucking companies whenever a claim is made hence minimizing cost during litigation.
Employees’ financial support
Workers’ compensation contributes to financial support for the employees for example by covering medical costs, disability payments or lost wages. All employees should, therefore, report any illness or injury to their employers and after that file a claim with immediate effect.
It is the choice of a trucking company to either include truck owners/operators in their program for the compensation of workers or not. They can also select an alternative method called Occupational Accident Injury Coverage. For this coverage, the owner-operator buys his coverage for any disability or medical problems which occur during the job.
Eligibility for compensation
Workers compensation may not be an easy subject as you might think. When the issue of car wrecks is put in place, the matter becomes more complicated. But the most important thing is to understand that you are eligible for compensation if you get an injury while working with the truck.
Also, if you happen to be in an accident without your fault, you qualify for compensation from what we call the at-fault driver.
Since the process of claiming for compensation when you are involved in a trucking accident could be daunting, it is advisable for you to hire an attorney to help you file a compensation claim if you were injured in the accident. Feel free to contact Strong Tie Insurance for any clarification or further assistance.