Sales Reps And Vehicular Incident Risks
Traveling professionals, such as sales representatives, spend far more time on the road than the average commuter. Whether they’re meeting clients, checking in with stores, or attending events, these individuals rely on their vehicles to do their jobs.
Unfortunately, more time behind the wheel comes with an increased risk of motor vehicle accidents. When these collisions happen, the aftermath of a crash can be particularly complicated for people whose jobs depend on travel. If you are in this situation, connect with an experienced Miami personal injury lawyer.
High-Risk Roles for Road Time
Sales reps aren’t the only ones spending work hours behind the wheel. Other roles with high on-the-road exposure include:
- Pharmaceutical representatives visiting medical offices and hospitals
- Field service technicians traveling between client sites
- Territory sales managers covering large regional areas
- Real estate agents showing homes across neighborhoods
- Corporate trainers or consultants moving between offices and events
These workers often juggle tight schedules, drive unfamiliar routes, and sometimes use their personal vehicles for business. These are all factors that can increase accident risk.
If you’re a sales rep or other traveling professional involved in a crash while working, seek medical attention immediately, even if injuries seem minor. Your health is the top priority. Next, document the scene with photos and notes and notify your employer if the crash happened during work-related travel. It is also important to file a police report and consult an injury attorney to understand your rights and potential compensation paths.
Assessing Who Will Pay for the Damages
Responsibility for accident-related expenses depends on several factors, including fault, insurance coverage, and employment status. If the accident occurred during work-related travel, your employer’s commercial auto or liability policy may come into play. Even if you were using a personal vehicle, a company may still bear some responsibility if you were acting within the scope of employment.
Also, should a collision be caused by another driver, their insurance may be responsible for your injuries and losses. Or, if you were at fault, your personal auto insurance or employer’s policy (if applicable) may cover damages, though this depends on the policy details.
It’s essential to understand the distinction between on-the-clock and off-the-clock driving. If you were running a personal errand at the time of the crash, your employer may not be liable.
Many sales professionals based elsewhere travel through Florida for work. If you’re involved in a collision while in Miami, Florida’s laws will generally apply, regardless of your home state. That includes Florida’s no-fault insurance rules, which require personal injury protection (PIP) to cover initial medical expenses. This can get complicated if your vehicle is registered in another state. An experienced Miami personal injury lawyer can help sort out which insurance policies apply and how to pursue the financial support you need.
Were you injured in a car accident while working as a traveling professional? The attorneys at Spencer Morgan Law can help you navigate the intersection of work responsibilities, insurance complications, and legal rights so you can focus on healing and getting back to business. Call 305-423-3800 to book a confidential consultation.