Multi-vehicle crashes create confusion, especially when they involve employees on the job. In New Jersey, workers’ compensation may cover injuries if the crash happened while the employee was performing work duties.
When workers’ compensation applies
Workers’ compensation in New Jersey covers injuries that occur while an employee performs job-related tasks. If an employee drives for work and gets hurt in a multi-car crash, they can usually file a claim. As long as the injury happened during work hours or while doing something related to their job, workers’ compensation typically applies.
This system provides medical treatment, lost wage replacement, and support for long-term recovery. If the crash involves multiple vehicles, the cause of the crash or who’s at fault doesn’t usually matter for workers’ compensation. That makes it different from car insurance claims, where fault plays a bigger role. Even if another driver caused the crash, the injured worker can still receive benefits through their employer’s workers’ comp insurance.
Steps employees should take after a crash
After a multi-vehicle crash, employees should first seek medical care if they have experienced any injuries. They should also inform their employer as soon as possible. Reporting the injury right away starts the process for receiving workers’ compensation benefits. Waiting too long can lead to delays or denial of the claim.
Employees should also keep records of all medical visits, treatments, and time missed from work. If they need to speak to their employer’s insurance representative, they should give clear, honest answers about how the injury happened and what they were doing at the time.
Understanding how workers’ compensation works in multi-car crashes helps employees protect their health and income. New Jersey workers deserve support when they get injured doing their jobs, even in complicated accidents. Knowing what to do and getting sufficient support make a big difference during such a stressful time.