What are my rights if I got into an accident while on the clock transporting product between stores as a favor to my manager but I was not insured?

UPDATED: Jun 16, 2015

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What are my rights if I got into an accident while on the clock transporting product between stores as a favor to my manager but I was not insured?

I didn’t have insurance at the time because I trying to save money to move. I thought that since I was on the clock that the company would be partially responsible similar as to getting injured on the job. However, the company I work for has refused to offer any help because I was not insured. Do you have any information on this situation?

Asked on June 16, 2015 under Employment Labor Law, Indiana


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

If you were hurt on the job and are seeking compensation for your own injury, appy for worker's compensation--you might be eligible. If your employer won't help, contact your state's worker's compensation board and/or labor department.

If you looking to compensation for other expenses or losses (e.g. car damage; or if someone else is suing you), you can sue any other person invovled in the accident whom you believe was at fault in causing it. But if there was no other party (e.g. it was a one car accident), or there was another party but you were clearly at fault, there is most likely no source of compensation or reimbursement for you. That, after all, is why people have insurance: to protect them when there is no one else who has to pay.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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