If you’re in a car accident while you’re working, you’re entitled to workers’ compensation benefits.  However, workers’ comp doesn’t pay you for pain and suffering. It also doesn’t pay you for the one-third of your lost wages that workers comp doesn’t pay.

If the driver who caused the crash is uninsured or underinsured, your only hope of getting paid for pain, suffering and your unpaid lost wages may be through uninsured motorist (UM) insurance.

If you don’t qualify for uninsured motorist insurance from your own personal vehicle(s), or a family member’s vehicle, you may need to look for UM insurance on your employer’s vehicle. [Read more…]