Question

You're on the way to work one morning and you get into an automobile accident. Is your injury covered by W/C?

(A) Yes. Once you've left home and are on your way to work, any injuries by accident are covered by work comp.

(B) It is possible. If you've been working for the employer for a period of 90 days, your injury is compensable and covered by work comp.

(C) Yes. Your injuries are covered by the dual purpose doctrine.

(D) No. Traveling to from work is considered a personal risk and injuries that occur during this period are not covered by workers' compensation.

Answer 1

Generally, injuries incurred while commuting to or from work are not covered by workers' compensation insurance, due to the 'coming and going rule'. There can be exceptions, but typically the commute is considered a personal risk and not compensable. The correct option is D.

Step-by-step explanation:

If you are involved in an automobile accident on the way to work, whether your injury is covered by workers' compensation insurance can be complex to determine. Generally, commuting to and from work is not considered part of the job, and therefore injuries that occur during this time are not typically covered by workers' compensation.

This concept is often referred to as the 'coming and going rule', indicating that the commute does not arise out of or in the course of employment. However, there are exceptions to this rule, such as if you are performing a dual purpose for the trip or if you are on a special mission for your employer.

Answer choice D correctly states that typically, traveling to and from work is considered a personal risk and isn't covered by workman's compensation insurance.