If you sustain a work-related injury or illness, you may qualify to file a claim for workers’ compensation, or WC,  benefits.

But what if you sustain a serious injury as the result of a car crash on your way to work? Here is where the “going and coming” rule applies.

The going and coming rule explained

An injury does not always have to occur at the office or on your construction job site to qualify you for workers’ compensation benefits. For example, if you suffer a knee injury during a company function held at a community park, this is a job-related injury. On the other hand, workers’ comp does not cover the time you spend commuting to your job and back—hence the going and coming rule.

Exceptions to the rule

There are a few notable exceptions to the going and coming rule:

  • Commuting by company car: One exception to the rule is that you may be covered for WC if you are using a company car rather than your private vehicle to commute.
  • Traveling as part of your job description: WC coverage includes your work as a state trooper, for example, or an airline pilot or truck driver.
  • Traveling between job sites: You may use your own vehicle to travel between various locations on company business.
  • Business traveler: You may have to travel from Tucson to Los Angeles for a one-day seminar, but the entire time you spend traveling is work-related.

Next steps

You may have questions as to whether an injury you sustain qualifies under the going and coming rule. An advocate can help you sort it all out and assist in submitting a workers’ compensation claim on your behalf.