Workers Comp Concerns and Car Dealer Insurance

Workers Comp Concerns and Car Dealer Insurance

From the time they open their doors at the start of the business day until they flip over the closed sign and call it a night, auto dealers have a lot of concerns, primarily about safety, since there are many hazards related to operating a dealership. Customers, vendors and an assortment of people are in and out of the lot all day long, and moving vehicles, heavy equipment, and a host of other issues (oily floors, for example) can lead to injuries.

In addition, their most valuable resource, the mechanics and other workers who could fall prey to work-related accidents, are at the forefront of the issues regarding the possibility of severe injuries. Under the workers’ compensation system, employers are required to purchase car dealer insurance that provides benefits to employees who suffer work-related injuries and illnesses.

Employees are provided with benefits regardless of who was at fault, and in return, employers get protection from lawsuits by injured employees seeking money damages for pain and suffering or mental anguish.

State laws govern workers’ compensation

It’s important to understand that each state’s system differs slightly in the details surrounding workers comp insurance, though the structure and operation of the overall workers’ compensation system is very similar from state to state. (There is a separate federal workers’ comp system for those working for the federal government, such as US Post Office employees). The main differences are the rates paid to injured employees and the procedural rules employers, employees, and insurance companies must abide by.

What does workers’ compensation cover?

Workers’ compensation laws cover only work-related injury or illness; however, the injury or illness does not necessarily have to occur in the workplace. As long as it’s a job-related occurrence, it’s a covered event. If an employee is injured while attending a business-related function, traveling on business, or running a work-related errand, he or she is covered.

Covered injuries and illnesses can range from sudden accidents, such as eye injuries, being struck by a car or slip and falls, to injuries that happen over time, such as repetitive stress injuries (RSIs), or illnesses that result from exposure to workplace chemicals, or other pollutants.

For example, workers often receive compensation for RSIs, such as carpal tunnel syndrome and back problems. Workers also receive compensation for illnesses and diseases that are the gradual result of working conditions, including heart conditions, lung disease, and stress-related digestive problems. This illustrates the need for car dealer insurance to aid workers who suffer from an accident as a direct result of work.