I learned today by our insurance agent if an employee is communting to and from work and they are involved in an accident or injuried, they are covered by workers comp. How is that possible? That's their own personal time. Tell me this isn't true! :eek:

That's state specific and I don't know what your state says, but in some states yes, that is true. In others it is not.

Wow, that's really shocking... :eek:

As a matter of fact, I am looking into Texas law and it says:
To be compensable under the workers' comensation system, the injury need only be sustained "in the course of employment." There are a few exceptions, however. The law states that no compensation is due if the disability is caused by:
* Injuries suffered on the way to and from work and work-related travel if the travel also has some personal object.

I can understand if they were traveling job site to job site or running errands for the business. But communting on your way to work or back home, just doesn't make sense! Even the IRS doesn't allow a deduction for communting miles.

Not everything in the law makes sense.

It would appear from what the other poster contributed that it is not true in Texas. However, as I said, state law varies and some states are more generous than others.

No state covers commuting to work as a rule. Some have covered it under certain circumstances though. It is the exception rather than the rule.