Delivery Bike Accident In The UK. Is There A Compensation?
Delivery bikes have incredibly reduced the time it takes to deliver something to customers. Whether it’s a B2B delivery or B2C, bikes are handy in both conditions. But there is one problem, bike accidents are disturbingly common in the UK. Hundreds of delivery bikers get themselves injured while delivering a product for their company.
There is a never-ending debate of whether your worker’s compensation claims cover accidents caused during the delivery of the product or not. Some say that bicycle or bike injuries aren’t compensated by the company a worker works for. While others say that bike or bicycle injuries aren’t covered. Both of them are correct. Actually, there is a slight difference which decides whether you are eligible for a workers’ compensation claim or not.
Let’s get started to explore more about what makes you eligible for compensation when you are involved in an accident being a delivery bike rider.
Does Workers’ Compensation Cover Commuter Injuries?
When you are going to work on your bike and get injured in a bike accident, you may be eligible for a road accident claim but not for the workers’ compensation. It’s because the worker commutes are not considered a part of their employment. That’s why if you have got yourself injured while going to work, you may not be eligible to make a claim against your employer.
However, if you have sustained an injury while travelling between offices, you may be entitled to make an injury at work claim for your injury.
You can also make the claim against the person who has caused the accident. In this case, you can also make the claim against the other driver who has caused the accident. But after you get compensation, you will have to pay back the workers’ compensation if you have also claimed against your employer and got compensation from them.
Exception To This Rule
There is an exception to this rule as well. If the other person, who caused your accident, doesn’t have an insurance policy, then you can collect both workers’ compensation claim and an uninsured motorist settlement. In this case, you don’t have to pay back the workers’ comp claim.
Does Workers’ Comp Cover Work-Related Bicycle Injuries?
“If you are delivering the products for your employer and it is a part of your job, then yes, you can make an accident at work claim against your employer. In this case, you are eligible to claim compensation if you have sustained an injury in an accident without having your own fault in it.
It even doesn’t matter whether you are delivering the products in a car, bike, bicycle or on foot. If you meet the above-mentioned criteria, you can make a work injury claim.
In simple words, if you are an employee and delivering something to a customer by bike, you can make a workers’ compensation claim against your employer if you have sustained injuries while delivering them. The same rule applies if you are on a bicycle, car, foot or any other mode of transportation.
Final Words
Even when you get injured while going to work or coming back from there, don’t assume yourself to be ineligible for making a claim. There can be certain exceptions to this rule. Always discuss your case with an expert injury claim specialist who can help you make a claim against the employer. If you have sustained injury while delivering goods for the company and sustained injuries during the process where you were not at fault, you are definitely eligible for compensation. But still, always consult an injury claims specialist for your case.
