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Injured in a Work-Related Car Accident in Maryland? You May Have More Than One Claim

Injured in a Work-Related Car Accident in Maryland? You May Have More Than One Claim

Many Maryland workers spend part of their day behind the wheel. Maybe you’re making deliveries. Maybe you’re driving between job sites. Maybe your employer asked you to run an errand, visit a customer, or attend a meeting.

Then there is a crash.

Now you’re injured, your vehicle may be damaged, you’re missing work, and you’re wondering who is going to pay for everything. The answer may be more complicated—and more favorable—than you think.

Workers’ Compensation May Apply Even If the Accident Was Your Fault

One of the biggest misconceptions I hear is that workers’ compensation only applies if someone else caused the crash. That is simply not true. If you were performing work duties when the accident occurred, Maryland workers’ compensation benefits may be available regardless of who caused the collision.  In many cases, workers’ compensation can provide:

  • Medical treatment related to your injuries
  • Temporary disability benefits while a doctor says you're unable to work
  • Compensation for permanent injuries when appropriate

Unlike a personal injury claim, proving fault is often not the central issue. The focus is whether the accident happened in the course of your employment.

You May Also Have a Claim Against the Other Driver

Here’s where many injured workers leave money on the table. If another driver caused the crash, you may have a workers’ compensation claim and a personal injury claim at the same time. Workers’ compensation and auto insurance serve different purposes.

Workers’ compensation may cover your medical treatment and a portion of your lost wages. A claim against the at-fault driver may allow you to recover damages that workers’ compensation does not cover, including:

  • Pain and suffering
  • Additional lost wages
  • Property damage
  • Other accident-related losses

Every case is different, but many injured workers are surprised to learn they may have multiple avenues of recovery available.

Common Examples of Work-Related Vehicle Accidents

Workers’ compensation claims frequently arise after accidents involving:

  • Delivery drivers
  • Construction workers traveling between sites
  • Home health care providers
  • Sales representatives
  • Service technicians
  • Utility workers
  • Employees using personal vehicles for work purposes

You do not have to drive for a living to qualify. If you were performing job-related duties when the accident occurred, workers’ compensation benefits may be available.

Don’t Assume Auto Insurance Is Your Only Option

After a work-related car accident, many workers focus only on the insurance claim and never explore whether workers’ compensation benefits may apply. That mistake can be costly.

If you were injured while driving for work in Maryland, it is important to understand all of the benefits and claims that may be available. What seems like a simple car accident may actually involve both a workers’ compensation claim and a claim against the at-fault driver. The sooner you understand your rights, the better positioned you will be to protect them.

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Firm attorney Jim MacAlister nominated to Workers Compensation Commission

Firm attorney Jim MacAlister nominated to Workers Compensation Commission

Please join us here at Cohen, Snyder & Eisenberg, P.A., in congratulating firm colleague James (Jim) K. MacAlister on his appointment by the Governor to the Maryland State Workers Compensation Commission. Jim is incredibly deserving of this prestigious appointment. We know he will serve the citizens of Maryland with honor and grace. We are so proud of him and wish him the best in his new position as a commissioner! The Maryland State Workers Compensation Commission (WCC) plays a crucial role in the state’s labor and employment landscape. Established to ensure the fair and timely administration of workers’ compensation laws, the WCC provides a forum for resolving disputes between injured workers and their employers. The Commission’s mission is to secure the equitable administration of the Maryland Workers’ Compensation Law, ensuring that injured workers receive the benefits they are entitled to while maintaining a balance with the interests of employers. As a Commissioner, MacAlister will adjudicate claims and disputes related to workplace injuries and illnesses. This involves conducting hearings, reviewing evidence, and determining the validity of claims and the appropriate level of compensation. Commissioners must possess a deep understanding of workers’ compensation laws and regulations and have the ability to interpret medical documents. They play a pivotal role in upholding the rights of both employees and employers in the workers’ compensation process. Jim’s extensive legal experience and dedication to serving the community make him an excellent fit for this role. His appointment is a testament to his expertise and commitment to justice. As a Commissioner, Jim will have the opportunity to significantly impact the lives of injured workers and their families, helping them navigate the complexities of the workers’ compensation system and secure the benefits they need to recover and move forward. We are confident that Jim will excel in this new position and continue to uphold the high standards of integrity and professionalism that have defined his career here and elsewhere. Congratulations, Jim, on this well-deserved appointment!

Drug use can complicate workers’ comp claims

Drug use can complicate workers’ comp claims

Drug use in the workplace can inspire serious consequences for both workers who are trying to avoid occupational harm and for some who have already suffered due to work-related circumstances. For example, in Maryland, workers who are injured on the job are generally entitled to benefits regardless of fault. However, if drug use played a role in causing their work-related harm, those benefits can be denied or significantly reduced. Proving—or disproving—that connection often becomes a central issue in workplace injury cases involving positive drug tests. Workers’ comp is a no-fault system… most of the time Under Maryland law, employers or their insurers can argue that intoxication or drug impairment was the primary cause of an accident. If successful, this defense can prevent an injured worker from receiving compensation for medical care, lost wages or disability. The key question is causation: Did the drug use directly contribute to the injury, or did the accident occur independently of any impairment? For example, a worker who tests positive for an illegal substance after being struck by falling equipment may still be eligible for benefits if their impairment had no role in the incident at issue. Recent research underscores how pervasive workplace drug use has become in recent years. For example, a recent survey published by the National Safety Council indicates that one-third of American workers have witnessed the use of cannabis by others during work hours. Additionally, “More than half of employers that eliminated THC testing reported an increase in incidents or workplace performance concerns.” This trend suggests that many workers use marijuana while on the clock, potentially due to stress, chronic pain or “simply” accessibility. Marijuana use can cause drowsiness, confusion, apathy and slowed reaction times—all of which heighten the risk of workplace accidents. Even so, a positive drug test does not automatically disqualify a worker from receiving benefits. The Maryland Workers’ Compensation Commission requires evidence that the intoxication directly caused the injury at issue in a workers’ claim. A skilled legal team can help affected workers – who are obviously not alone, given the widespread nature of drug use in the workplace – to make their case as successfully as possible. Employers and insurers often use drug test results to limit liability, but workers still have rights. Anyone facing a disputed claim due to alleged drug use is generally wise to seek immediate legal guidance accordingly.

Has your knee been injured in a work-related fall?

Has your knee been injured in a work-related fall?

Unpredictability is one of the most dangerous things about falls. They can happen to anyone at any time, including in the workplace. Many times, you may be able to simply dust yourself off after a fall and get on with your day. Sadly, however, this is often not the case. Falls can be hard on your knees, and the resulting injuries can be serious. Outlined below are some of the more severe knee injuries associated with work-related falls. Damaged ligaments Torn ligaments are among the more serious and painful knee injuries that can result from a fall. The knee is comprised of four ligaments: the anterior cruciate ligament (ACL), the posterior cruciate ligament (PCL), the medial collateral ligament (MCL) and the lateral collateral ligament (LCL). Ligaments help the knee move forward and backward, as well as to rotate from side to side. Because each of these ligaments has a distinct function, damage to any of them can be painful and limit your mobility. Surgery and an extended period of recovery are often the only way to get better after ligament damage to avoid chronic pain issues. Dislocations During a fall, your knee may be manipulated and twisted into positions it is not designed to be in. This can result in a dislocation, which is very painful and can be difficult to treat. As a general rule, the sooner you seek medical treatment after this type of injury the better. Depending on whether or not there is nerve damage, you may require multiple surgeries before you can get back on your feet. If your knee has been injured in a fall at work, then you may be entitled to compensation for your pain and suffering. This won’t undo the damage, but it will help you to stay on top of your finances while you recover and are unable to work. Seeking legal guidance will offer you the best possible chance at obtaining a just outcome in your case.