Many of us are required to travel for our work. This may mean your daily commute, or it could mean trips that you need to take for business. Perhaps your job is driving, such as over-the-road trucking. Perhaps you are a specialist and travel to different places depending upon where you are currently needed. The possibilities are endless as to why you travel for work, but what happens if you are out of state when you get hurt? Are you still able to apply for workers compensation even if you are that far from your job?
Unfortunately, there is no easy answer to these questions. The best place to start is in your company’s workers compensation insurance policy. There are two clauses on the information page which should allow you to find out if you are covered in the state you were hurt in. These are 3.A and 3.C. 3.A will list the states in which your employer operates when the policy begins and 3.C is a list of states that your employer believes their employees may be working in or traveling to/through. These are placed in the policy to hopefully protect you if you are hurt on the job while away from the office, so to speak.
The main obstacle to being able to easily answer this question is that each state has their own workers compensation laws. For example, if you are hurt in Ohio, North Dakota, Washington, or Wyoming, your worker’s compensation policy will not apply. This is also true if you are injured in Puerto Rico or the Virgin Islands. This is because these areas are “monopolistic” which means that coverage can only be purchased from the state. While larger employers may privately insure in a couple of these areas, these carriers cannot write out compensation for an employer in regards to workers compensation.
This is a situation in which you absolutely need an attorney. Seeing as how every state has different laws, it can get confusing for anyone to try and make sure you get what you deserve. Collier Law, however, has experience with cases like these and will do all we can to get you the proper compensation. Call Trey Collier today to schedule your free consultation and see what we can do for you.