It can be a very slippery slope: There is a fine line when considering the modern workplace plus the traveling employee and how the work comp insurance providers perceive these workers. Some of these issues have been mentioned at The Traveling Employee.
The creator of this post gets straight to the point: If an injury occurs to an employee that was breaking the law during the accident, then will the insurance company be responsible for the medical treatment reimbursements?
Specifically, this question arises from the challenges facing the responsibility of whom will pay when employees use their cellular phones illegally. Most importantly, who is responsible while traveling in a vehicle outside the normal space of the office walls and obtains injuries from an accident stemming from breaking the law. This claim has a ninety nine percent chance of being denied from the work comp insurance carrier provider.
It can easily be anticipated that insurance providers are constantly changing policy provisions to cover their positions. Again, one can almost guarantee that claims including injuries due to negligent actions that are illegal will be promptly denied many a time. Experienced Worker’s Compensation Physicians can assist. This is worth commenting below.