Does workers’ compensation cover travel to and from work?

Travel to and from work is expected of workers and not covered by workers’ compensation laws. Those who are injured in car accidents or suffer other injuries, such as a sprained ankle while going to or from work must rely on their personal health insurance and car insurance plans to cover costs. That is not the case for travel done while on the job.

Some jobs require workers to use their own vehicles to accomplish work-related tasks. Whether it is running an errand for the boss or using a personal vehicle for deliveries, such activities count as work and are covered by workers’ compensation. Most private car insurance policies, though, do not extend personal auto insurance coverage to commercial activities, such as running workplace errands. Those require commercial car insurance coverage for additional protection, but do not affect workers’ compensation coverage.