Every day, thousands of Marylanders travel between home and work. When accidents happen during your commute, knowing whether it is considered “work-related” or “personal” can significantly impact your recovery options.
The “coming and going” rule basics
Maryland law typically considers standard commutes as personal time. This “coming and going” rule means workers’ compensation generally would not cover injuries that happen during regular travel to and from your workplace. The reasoning makes sense as employers do not control how you get to work or the risks you encounter on the way.
When your commute becomes work time
Not all commutes follow the same rules. You might actually qualify for workers’ compensation coverage if:
- You run work-related errands (like picking up supplies or making a delivery)
- You travel between different job sites during the day
- You drive a company vehicle (especially if your employer requires it)
- Your employer pays you for your travel time
In these situations, what looks like a regular commute transforms into compensable work activity, potentially opening additional recovery paths after an accident.
Managing multiple claim options
Commute accidents often create situations where different types of claims overlap. Workers’ compensation provides benefits without proving fault, but it has limited recoverable damages. Personal injury claims against other drivers may offer more complete compensation, but it requires you to prove someone else’s negligence. Understanding how these claims work together will help you maximize your recovery.
The power of documentation
After a commute accident, thorough documentation becomes your most valuable tool:
- Report the accident promptly
- Tell your employer right away
- Get proper medical care
- Keep evidence from the scene (photos, witness information)
- Track all expenses and missed work time
These actions build a solid foundation for any claim you pursue.
Finding answers
The overlap between employment law and personal injury creates questions that rarely have simple answers. Your specific circumstances, such as the timing, location, purpose of travel and job arrangements, all affect your legal options.
When you face recovery challenges after a crash, clear guidance makes all the difference. Legal advice can help you identify all appropriate compensation options during this difficult time.
