Occupational Accident Insurance for Truckers. There are two things we know about work. First, our jobs are not meant to be enjoyable. Second, they’re dangerous. When a truck driver gets into an accident and suffers injuries, the first thing that usually happens is that the trucker’s insurance company will send them to a doctor for treatment.
This doctor will then bill the trucker for all of their treatment costs, including many medical insurance premiums. As a result of this unpredictable schedule, when truckers get into accidents, they often have to pay out-of-pocket for their injuries.
A few years ago, Occupational Accident Insurance for Truckers News published an article on how occupational accident insurance works for independent truck drivers (IODs). The main takeaway was that IODs don’t need to purchase the same coverage as other workers because of special benefits provided by the government.
like unemployment Occupational Accident Insurance for Truckers and disability income — that they get while working on a contract basis. This made it possible for IODs to avoid paying additional medical expenses after a routine accident and still enjoy protection against debilitating illnesses and disabilities caused by their job.
Occupational Accident Insurance for Truckers
In 2010, as more people joined the ranks of independent truck drivers and started using trucks as their primary means of transportation (the majority) rather than personal cars (the minority), there was also an increase in claims from these drivers after accidents. Injured employees don’t always have the financial means or time available to file with the Occupational Accident Insurance for Truckers company; sometimes employees who are injured need immediate help from family or friends or even from volunteer organizations so they can get back on their feet in no time. For these reasons, many individuals decide not to file with an insurance company until it’s too late.
To ensure that IODs receive adequate coverage following injury in case of an accident, Congress created Occupational Safety and Health Administration (OSHA) regulations in 1974 which require large employers with 10 or more employees to maintain a minimum level of occupational health risk management policies.
OSHA regulations also require employers with 3 or more employees who provide food service services at any location where food preparation is performed by employees under 16 years old to take steps such as implementing written policies providing safe work procedures and training programs covering foodservice equipment handling procedures at all locations where food preparation is performed by any employee under 16 years old.
Accordingly. Employers who provide food service services at any location where food preparation is performed by employees under 16 years old must ensure that such employees wear approved safety equipment including but not limited to hard hats
What are the requirements of this type of insurance?
Truck drivers are often thought of as the most dangerous drivers in the United States, and more than 90 percent of all vehicle deaths occur on the road. The average age of truckers is over 50. They’ll spend an average of 27 years driving a truck before they retire.
It is just not realistic to think that accidents will never happen in this industry, or that you’ll always be insured to cover your medical expenses. The best way to protect yourself against those risks is through a strong, comprehensive, one-stop solution that offers many benefits — such as the ability to obtain a No-Fault (NFA) kind of insurance policy (a driver’s health coverage), combined with various kinds of Occupational Accident Insurance for Truckers policies:
- Personal Liability Coverage: Comprehensive coverage for you and your personal assets if you are injured due to an accident on the job.
- Workers’ Compensation Coverages: Comprehensive coverage for workers’ compensation claims, including medical bills and lost wages due to injuries sustained due to an accident involving a commercial vehicle driven by someone other than you.
- Health Insurance Coverage: Comprehensive health insurance coverage for all employees working at the same location who are involved in accidents on the job, including medical bills and lost wages due to injuries sustained during work-related accidents.
- Disability Coverage: Comprehensive disability coverage for any permanent or temporary disabled employee who suffers a serious injury resulting from an accident involving commercial vehicles driven by someone other than you — or any part thereof — while on duty or off-duty at work in a commercial motor vehicle (CMV).
5.) Commercial Motor Vehicle Driver’s Liability Coverage: Comprehensive coverage for any permanent or temporary employees’ bodily injury claim arising out of an accident involving CMV’s driven by someone other than you — or any part thereof, while at work in a CMV — that could have been reasonably foreseeable based upon your experience and training as well as your preexisting responsibilities and duties at work.
This includes bodily injury caused by other CMV’s not owned or leased by you (e.,g., forklifts, trucks) and bodily injury caused by other CMV’s while transporting hazardous materials (e..g., fire trucks ). “Workers’ Compensation” means liability under Workers’ Comp laws concerning bodily injury carried out while engaged in employment; a bodily injury sustained through nonemployee activity; personal injuries suffered as a result of occupational diseases, or accidental death
Truck drivers must be currently employed and actively working in the transportation industry, with a minimum of $10,000 in annual gross income to qualify for workman’s compensation
Truck drivers are one of the most common types of drivers in the United States, and they make up a significant portion of the nation’s economy. They drive trucks, trailers, buses, delivery vehicles, and other commercial vehicles. Trucking companies often offer drivers Occupational Accident Insurance for Truckers to cover their liability and medical expenses if they are injured while operating a motor vehicle.
Having Occupational Accident Insurance for Truckers can help you pay for high medical bills after an accident or medical treatment. However, it is important to know that only some truckers are covered by trucking insurance policies. Insurance coverage may not be offered to all truckers in your state. There may also be particular circumstances or requirements that apply. You should also consider whether your property or assets are covered by your policy before deciding whether to buy an insurance policy for truckers.
With the majority of states having laws that require written proof of personal injury protection (PIP) coverage from any type of transportation-related accident, you’ll need to have a valid driver’s license and current vehicle registration to obtain PIP coverage from a trucking insurance company. The PIP coverage provided by these companies is intended to provide temporary financial assistance until you can recover from an accident caused by another driver (either intentionally or unintentionally).
The first step in obtaining PIP coverage for trucking is determining what type of PIP claim you’ll need to file as part of a regular auto accident claim. If you or someone on your vehicle was injured because another driver was negligent or failed to obey traffic laws, you might be eligible for monetary damages, medical expenses, lost wages, pain, and suffering, lost income, and lost companionship.
This service provides information on how much money you might receive if you’re hit by another driver during an on-duty period. When choosing an attorney or company to handle your PIP claim, it’s best to look at organizations that have been in business for at least 10 years (or longer) with licenses administered by the Better Business Bureau.
If you’re unsure about how much compensation will be available after filing a PIP claim with the insurer, consider contacting experts who specialize in personal injury litigation. These attorneys will be able to explain what will happen if there are no settlement offers made within five days after filing your claim with the insurer.
They’ll also help inform you about other options including alternatives like arbitration, mediation, and/or negotiation with both parties involved in making contact with each other before going through formal court proceedings. In some cases, injured drivers may
Occupational insurance for truck drivers
If you’re an owner-operator, you likely want to get the best price for your trucking company. Even if this means getting a quote from three different insurance companies. You can be assured that when you compare the quotes from these companies, their premiums are comparable to one another. The main difference between the companies is that some of them offer higher limits than other companies or have better plans for coverage for your trucking company.
If you need to get an estimate on how much coverage your company would need, here is a list of average maximum limits by company:
- AA Corp.—$80,000 (Average Maximum Limits)
- AAA—$50,000 (Average Maximum Limits)
- A-Pex—$75,000 (Average Maximum Limits)
- Trailerways—$75,000 (Average Maximum Limits)
- CargoWay—$70,000 (Average Maximum Limits)
Best occupational accident insurance
Here’s a question for you. I know this is something that’s been asked before, but how does occupational accident insurance for truckers work?
As an independent truck driver, you may have a lot of freedom to move around in the roadways and make decisions that you want to make. However, there are times when that freedom may not be available to you. Whether it is because of an accident or other incidents that occur on the job, your ability to drive your truck is limited by your income.
Unfortunately, the job market for independent truck drivers continues to get worse. This has left many drivers without enough income for their families and their vehicles. How do they stay afloat?
The answer is very simple: they purchase occupational accident insurance for Truckers. These insurance policies will protect them from medical expenses and provide them with income as long as they are driving trucks on the roadways. These policies are designed to protect both independent truck drivers and owner-operators from injury or death while working outside of the home — just as it would be if you were injured or killed while working in your own home or business.
In addition, these policies will payout 50% of any economic loss (wages lost plus lost earning capacity). Additionally, this coverage protects the insured from any type of financial burden due to personal injury or death while driving a motor vehicle on private property — just like if you were killed while doing so on private property owned by someone else who doesn’t have coverage.
Not only can these plans save drivers money in case of an accident while driving a truck, but they can also help drivers maintain their jobs because they offer protection against wage garnishments and wage expirations (if they lose their jobs due to injuries sustained while at work). With this type of coverage available today, there is no reason why independent truckers shouldn’t buy occupational accident insurance for Truckers today and start enjoying the benefits that come with having such coverage!
Occupational insurance policy
Occupational accident insurance for truck drivers is a form of personal insurance that covers both the driver and the truck. It’s structured as a load of liability insurance, with different tiers of coverage depending on the amount of liability covered by the policy.
- — Insurance information:
- For additional information or assistance please contact our Insurance Broker for Drivers at 800-433-6652 (outside North America), 800-453-9072 (North America), or email us at [email protected
The difference between personal and commercial auto insurance is the type of coverage you can buy. Personal auto insurance protects your car from other drivers and other accidents, while commercial auto insurance protects you from having to pay out more than you can afford to pay out through a claim.
The term “industrial trucking” refers to any type of commercial transportation involving trucks used by businesses. Truckers work anywhere from 3 – 40 hours per week and travel long distances across highways, country roads, or city streets depending on the company they are working for. Trucking companies put out trailers which are then transported across areas by trucks that are fully loaded with goods or materials being shipped.
When someone has been injured in an industrial trucking accident they may have trouble paying their medical bills because they do not have health insurance. Many people living in areas where there are many trucking companies do not own cars so they cannot purchase automobile liability policies themselves, but if they were injured in an industrial trucking accident and have no personal auto insurance they may be able to get workers’ compensation coverage instead.
When someone is injured in an industrial trucking accident and does not have personal automobile liability policies, then he/she will need to go through workers’ compensation before receiving their medical bills paid for by his/her employer’s medical insurance program. Under most workers’ compensation programs there will be some sort of injury protection plan that is available for those who are injured on the job; however, there may also be other types of coverage such as medical expenses, lost wages, pain and suffering, disability income protection plans, etc.
Industrial trucking companies often keep records about what types of injuries their employees have sustained on the job so that when a case goes through a workers’ compensation worksheet it can be compared to all cases that have occurred in that specific period so it can determine if any cases should be brought back into court again to continue payment toward their workers’ compensation bills or if payments should stop altogether until their claims
Occupational accident insurance companies
For decades, truckers have known that they must be careful while driving their vehicles. According to the National Transportation Safety Board (NTSB), there are more fatal accidents involving trucks than any other type of commercial vehicle.
The average cost of an occupational accident is $50,000. And the insureds can face significant financial hardships if they sustain a major injury or death. So how can you protect yourself?
Occupational (or “personal”) accident insurance for truck drivers is offered through a broker or agent who will help you find a good plan at an affordable price.
To get started with your accident coverage, you might consider purchasing it from the company itself; however, this can be very expensive. If you’re looking for a little more convenience, buying insurance from an agent may be the way to go — especially since agents typically offer discounts when compared to agencies that sell insurance directly to consumers.
If you require anything else, check out my blog Occupational Accident Insurance for Truck Drivers, where I have information on how your plan works and what it covers.
Occupational accident insurance California
The California Department of Industrial Relations is responsible for regulating the trucking industry. The California Department of Industrial Relations (CADR) regulates trucking in California and issues licenses to operate. They also regulate and license drivers who own trucks.
Drivers are required by law to purchase insurance, but it is not mandatory. Only about 30% of the truckers in California have insurance coverage, according to a report published by The Trucking Industry Assn., a trade group for the industry in the state.
The Trucking Industry Assn. on Tuesday released the most recent statistics on injuries and fatalities involving truck drivers in California, which show that from 2000-2011, there were 10,095 truck driver fatalities reported to CADR’s Fatal Accident Reporting System.
That’s 1 every 20 days during those 5 years; an average of nearly one fatality every two days, or nearly one every 15 hours during those 5 years. Such numbers can’t be ignored; they represent an epidemic of death and serious injury among a growing number of truckers working throughout the state and nation.
The 2012 report found that the fatal accident rate per 100 million miles driven by truck drivers was 198 per 100 million miles driven — more than double what it was when it first started tracking injuries in 2002. And while those numbers are alarming, they don’t tell the whole story: while their fatality volume has climbed significantly over five years, their injury volume has dropped significantly over five years as well.
All told, from 2000 to 2011 — roughly 35 years — there has been a drop of about 25% in fatal accidents involving commercial motor vehicles (motorhomes), and about 8% drop in fatalities overall for these trucks with trailers or semis (trucks). The trend appears to be leveling off: between 2010 and 2011 there was an increase of 3%, but then between 2011 and 2012 it went back down again at least until 2013 where it went up again at least until 2014.
It’s been quite some time since we’ve heard much about occupational accident insurance for truckers. So now I’m going to try my best to inform you guys of how this insurance works. For all those who may not know how this works out… Here goes… If your insured vehicle is involved in an accident with another vehicle you will be covered up to a certain amount if your vehicle is damaged (the amount varies depending upon how much damage your vehicle sustained
Zurich occupational accident insurance
The importance of occupational insurance for truck drivers is not only to protect your financial well-being but also to ensure that your family is adequately covered in the event of an accident.
Occupational injury and illness claim costs are staggering — far greater than those from automobile accidents. One reason for this is the lack of coverage for truckers in the U.S. and internationally compared to other occupations.
Trucking, one of the most dangerous jobs in America, does not have quite as robust a safety record as some other professions such as firefighting or construction workers. Some states do offer high-risk unemployment insurance benefits to truckers, and these programs can be a valuable resource if you need help paying medical bills or getting back on your feet after an accident.
But these benefits are limited in coverage and typically only cover workers who drive commercial trucks over 25,000 pounds (13 tons) — which is a fraction of the total number who drive trucks in the U.S., especially considering that many employers who employ truck drivers don’t provide this benefit anyway (on top of their already limited unemployment insurance).
This means that even if you’re injured at work and need medical care, you won’t get any help from your employer without insisting on full coverage under your policy — which might require a bit more paperwork than you’re used to dealing with, especially if you’re from out of state or live far away from your employer’s home office.
You can learn more about getting OAI through our online form or by calling our toll-free number at 1-800-744-9172 (option 2) between 8 am and 5 pm EST Monday through Friday or by email at [email protected] or by visiting our website: www.globalservicegroupllc.com.
Occupational accident insurance vs workers’ compensation
The title of this article is a clever marketing ploy. The truth is that there are two main types of insurance in existence today: “Owners’” and “Workers’ Compensation.”
When you talk about occupational insurance, we mean it when you say that your trucker can get coverage with the right type of policy the first time he hits a pothole or the wrong side of the road. This isn’t true in every state, but it’s more common than most people realize.
The policy itself is relatively straightforward: You have to have a valid driver’s license and pass drug tests to be eligible for a policy. You also need to pay premiums for at least three years before your policy starts paying out — which will cover as much as you can drive without wearing out your tires or brakes. It also covers exposure to hazardous terrain and work hours, such as long day shifts, poor visibility, and snow driving. What’s left?
The biggest area where owners’ coverage falls short is medical care. Most don’t even know what the term “medical” really means anymore; everyone just wants coverage for everything they’re willing to spend on medical bills if they’re hurt on the job — no matter what kind of car they drive or how many passenger seats they have in their vehicle. But this isn’t necessarily accurate either — not all drivers who get hurt at work need medical care at all times! It can be anything from an asthma attack to a broken ankle — just like any other auto accident.
Workers’ compensation insurance may not be as common as owners’ insurance, but it’s still worth knowing about because it covers things like back pain, injuries sustained while trying to reach customers on the phone, or getting hit by another car in a crosswalk — just like owners’ insurance does for damage done to one’s car when hitting something else driving down the road. And since employers typically offer workers’ comp insurance policies too (on top of whatever owners are offering), there are some similarities between them here as well!
I’m not going anyone who says that occupational accident insurance doesn’t exist because I’m sure you’ve heard it before! It doesn’t matter if you believe me or not anyway because there is only one thing that matters about this entire topic: Is your trucker covered? If he has workers’ comp coverage and his body hurts him on an ongoing basis every day of his life, why should he eat
We’ve all heard the term “accident insurance” and we might even have thought to ourselves, “Huh? What’s that?” Since most people are not familiar with the term, let me explain.
Occupational Accident Insurance (occ) is a form of insurance that protects medical expenses and disability income for employees who have gone through an accident while driving a vehicle. The accident is covered under the same company policy as their automobile insurance and vice versa.
… To be considered a “driver”, you are required to have a valid driver’s license. This can be either a USA driver’s license or a foreign driver’s license. If you do not have one of these licenses, you will need to get one before applying for occ. If you do not have enough money to pay for an occ policy, you may be able to get coverage through your employers or another third party — such as your employer’s liability insurer or self-insurance pool.
The reason why there are so many different types of occ policies available is because there are many different types of drivers out there:
- There are those who drive only on highways; they do not use city streets or other specific routes.
- There are those who drive only on city streets and other specific routes in cities; they don’t drive on highways at all 3. Lastly, there are those who drive in both urban and rural areas. They mostly drive through industrial areas and rural areas after hours (often referred to as “night time driving”)
4.. Finally, some drive never once on highways! They generally drive in city neighborhoods after hours (even though they don’t usually work during the day). They usually do this by mistake because they’re too scared of their neighbors’ dogs or their manager/bosses’ son-in-law driving by at night to be bothered by them driving home early
5.. Finally, there are times when an occ policy doesn’t cover accidents at all! These policies simply provide accident protection for people working in certain kinds of jobs — like restaurant workers, construction workers, and so forth — without having to worry about them getting injured while driving home from work late at night! And lastly.
6.. Lastly, remember that only drivers with valid driver’s licenses can apply for occ insurance. It also does NOT cover passengers, so if someone else gets into an accident while their bus is parked outside the restaurant where they work
What’s occupational accident insurance for truckers?
A trucking accident is an on-the-job accident that occurs in the workplace. The Occupational Safety and Health Act (OSH Act) of 1970, as amended, makes it a federal offense for an employer to fail to provide OHS workers’ compensation coverage when they work in a covered occupational area.
The OSH Act defines “covered area” as any non-exempt building or land. “Exempt building” means a building that is exempt under 11 CFR § 1402(c)(1), (2), (3), or (4).
When an employer fails to provide workers’ compensation coverage, it is legally responsible for paying medical bills and disability income benefits, even if the worker’s injury occurred off-duty, while he or she was performing his or her duties.
This means that if you are injured in a trucking accident while you are working, you can receive up to $250,000 in medical expenses and $50,000 in disability income benefits from your employers.
This insurance is not provided by your state’s worker’s compensation agency; it must be purchased directly through your employers’ insurance company. However, if you are injured on company time but not on company property, then you do not have coverage under the OSH Act.
You may be eligible for other workers’ compensation insurance such as child support enforcement programs; adoption law enforcement; or court protective services. Some states also have family injury protection plans that cover personal injury claims relative to childbirth and related activities.
Unemployment benefits may also be available through state unemployment agencies in some states with unemployment rates above 6%. To purchase this coverage online, call 1-800-826-6155 or submit a quote request online.
This form will only work with auto insurance companies located in the United States. If you are looking for trucking accident insurance, check out our website at www.truckinsurancechoices.com. We have tons of information with step-by-step charts and videos on how to find the right insurance company for your needs!
Occupational accident insurance for truckers honest review
In 1985, the U.S. Department of Transportation (DOT) launched the Office of Occupational Safety and Health (OSHA) to improve workplace safety and health. To date, OSHA has developed standards and public education programs that have helped reduce workplace injuries and illnesses by more than 20 million injuries, fatalities, and lost workdays.
The agency’s core mission is to protect the public from hazardous conditions in railroads, airlines, marine transportation, trucking, construction, and other occupations where workers are exposed to hazards at work. This can be done through a variety of different programs including:
OSHA’s Safe Transportation Program: OSHA sets standards for trucking companies that must follow when transporting hazardous materials by rail or by air. OSHA’s Safety Standards program also provides industry tools to help companies comply with these requirements.
OSHA’s Hazard Communication Standard: The Hazard Communication Standard implemented in 1995 has since been revised several times to reflect technological advances and evolving society’s reliance on electronic communication devices such as cell phones and personal computers. OSHA’s Hazard Communication Standard applies to all transportation workers who handle or transport hazardous materials or who control the use of hazardous materials.
On-the-job training: OSHA provides a free on-the-job training program for railroad employees who have been injured on the job through its Steel Rule Training Program. This program requires employers to train their employees about railroad safety regulations so that injured employees may return to their regular jobs as soon as possible after an injury occurs.
Workers’ Compensation: Workers’ compensation insurance for truck drivers is available for injured workers in certain occupations when a driver is injured while driving his/her vehicle, This coverage protects injured workers from paying out of pocket for treatment from their injuries until they can return to work; this coverage is called “employee benefits”.
Injured Workers Plan: Injured workers who have not yet worked full time may apply for this plan through their employer; if they are unable or unwilling to work full time do not apply at all. Workers’ Compensation benefits are paid out if an injury results in a permanent disability or temporary incapacity except when an employee loses his/her job due to a labor dispute (e.g., stroke).
This plan is available only when an employee working full time receives pay over $500 per week in wages due him/her (or any part thereof). This plan is optional only; if you choose it you cannot opt
The benefit of occupational accident insurance for truckers
There are several types of insurance that provide coverage for an accident. One of the most common types of insurance is a personal accident, but it is also sometimes referred to as commercial liability insurance or ordinary commercial liability insurance. Personal or non-personal accidents can be caused by a variety of factors, such as:
- a) driving under the influence;
- b) motor vehicle accidents with injuries, such as spinal cord injuries;
- c) collision with another vehicle; and/or
- d) other incidents involving physical contact.
A person may not be considered covered if they are involved in an accident while they are operating an automobile while using a mobile communications device (i.e., cell phone). For example, if the driver is using a portable digital device, then cell phone coverage does not apply to the driver.
If the driver is using a stationary computer, then laptop computer coverage does not apply to the driver. If the driver had any electronic equipment that held information about a mobile communications device, then that information would also not be covered by this type of insurance because it involves risk to property and does not involve risks to life or health.
In certain cases, it may even be possible for employers to provide workers’ compensation coverage for their employees who work on company property or at company-owned facilities.
A few states do not require this type of coverage for employers and there are no standards that tell employers whether they must cover employees who work on company property if they have personal accident coverage (for example, some states have specific rules that require employers to provide workers’ compensation insurance).
However, these rules also do not mean that all businesses must provide personal accident coverage for all employees who work on company property if they have personal accident coverage (for example, some states have specific rules that require only those employers who own their buildings).
For example, in most cases where employees work at their employer’s owned facilities (such as factories), employees do not need personal accident protection because the employer has workers’ compensation insurance which covers them at a different level than an employee would need personal accident protection.
And in some cases where workers’ compensation does not cover employees at all (such as banks or investment companies), then personal accident protection reduces some of the amounts of pay that would otherwise be paid out under workers’ compensation plans so long as there were no injuries caused by those accidents (because then it would no longer matter how much pay was paid out under workers’ compensation). The reason why this
- How much does occupational accident insurance for truckers work?
There are various types of occupational accident insurance for truckers. These include workers’ compensation, workers’ compensation and insurance, personal injury protection, property damage liability, and the like.
There is also a good reason why you should buy occupational insurance for truckers. It could be to avoid losing your trucking license or to get your income back after being injured while driving a particular type of vehicle.
What happens if your truck breaks down in the middle of nowhere?
There are a lot of people out there who choose to drive trucks. It’s a hard life, and it’s a risky one. There are a lot of things that can go wrong — we all know that — but do you know how your insurance policy affects that risk? Is it enough protection to cover your costs when you break down and have to be towed back home?
Trucking insurers need to realize that they need to provide more than just coverage for repairing trucks. They need to find ways to help their customers get back on the road quickly, even if they don’t have the best vehicles or the most powerful engines.
To do this, insurers must look no further than their employees, who not only provide an important service for them but also drive trucks through the roads every day. That’s why these companies need occupational accident insurance for truckers — because just like every other customer, their employees deserve better than what is currently offered by their own insurance company!
- The truck driving industry is one of the most hazardous industries in America. Every year, there are thousands of truck driver accidents reported in the United States and around the world. In fact, over a billion dollars is paid out every year to cover medical expenses and lost wages for injured workers.
- Truckers who work for large companies are never their own risk, but instead are exposed to the risks that come with being an owner-operator or an independent contractor. Without proper coverage, these truckers may be left holding the bag when they incur injuries on the job.
As a result of this growing problem of employee injuries among drivers, employers have begun to take steps to keep their employees safe on the road by doing things that any employer would do — such as providing them with occupational insurance.
Since 1942, The American Trucking Associations (ATA) has been advocating for these ‘no-fault’ policies which correct insurance mistakes by paying out all or part of a trucker’s medical expenses and lost wages after an injury. These policies provide cheap medical insurance so that drivers can continue to make a living while they recover from injuries or illnesses on the job. Below are some facts about occupational accident insurance for truckers:
- 1) Workers’ compensation rates have increased at three times the rate of inflation over an eight-year period; and
- 2) increased use of personal automobile driver’s coverage has led to a shortage in private vehicle insurance;
- 3) The need for no-fault policies will only expand as more people drive personal vehicles and increase personal vehicle ownership;
- 4) Injured workers who take no-fault coverage will not receive any additional benefits from their employer if they cannot work due to their own injuries;
- 5) The amount you will receive will depend upon your age, how many years you were driving before your injuries occurred and how many years you were driving before your claim was filed (this often does not include additional costs incurred during your recovery process)
- 6) If you have been driving since 1977 there is little chance that you will ever qualify for no-fault coverage because there has already been so much progress made since then towards increasing worker protection
- 7) If your injury occurred while you were deployed in military operations then special rules may apply such as those outlined by VA regulations regarding treatment and repatriation home
- 8) Many states have passed laws which require employers to pay workers’ comp premiums directly into workers’ compensation funds called worker’s health funds (WCHF)