Michigan’s no-fault auto system already works differently than most states. Add workers’ compensation to the picture, and a single question gets complicated fast. When an employee is injured in a crash while driving a company vehicle, which coverage pays first? For Macomb County business owners with even one work truck or van, knowing the order ahead of time prevents confusion when an employee needs help.
The Order of Operations
Why the Details Matter for Employers
- Ownership and registration. A vehicle titled to the business is treated differently than an employee’s personal car used for work.
- Workers’ comp in place. Without it, the auto side of the equation can become much more strained.
- Accurate vehicle listings. Every business vehicle should appear on the commercial auto policy.
A Quick Readiness Checklist
- Confirm how each work vehicle is titled and registered
- Verify every vehicle and regular driver is listed on your policy
- Make sure workers’ comp coverage is active and current
- Know how to report a crash to both your auto and workers’ comp carriers
- Keep accident report forms in every vehicle
These situations can involve complex benefit calculations, so employers and injured workers should rely on their claims representatives, and legal counsel when needed, for specific guidance.
Premier Risk Group helps business owners in Richmond and across northern Macomb County make sure their commercial auto and workers’ comp policies work together the way Michigan law expects. To review how your coverage is structured, reach out through Premier Risk Group in Richmond, MI.
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