Answer:
Ginger should be covered by worker’s compensation insurance.
Step-by-step explanation:
Workers' compensation insurance covers accidents suffered by employees while they are performing their work related activities. In this case, someone who has been pinned under a car is considered a work related accident, and Ginger trying to help his fellow coworker is a normal work related activity. If you see a coworker suffer an accident, it is your duty to call for help and if possible and safe (not mandatory), try to help him/her.