Q: If I hit a deer while on call for work are they liable for damage to my vehicle?
A: If you were driving at the request of your employer and you were injured, the injuries and any wage loss would be covered under Workers' Compensation. It is NOT sufficient that you were "on-call" but driving for entirely personal reasons. Under NO circumstances would your car be covered under Workers' Compensation. Moreover, your own insurance carrier can deny the claim if you tell them that you were driving for work because you probably insure your car for pleasure and commuting. You would need to declare it as a "business" vehicle (read much higher premiums) for any damage or personal injury to anyone other than yourself to be covered.
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