If you are an employee of Lowe’s who was injured in the parking lot, you might be wondering if workers’ comp covers Lowe’s parking lot injuries. If you are on the job, then yes. Workers’ compensation insurance covers employees wherever they are when they are on the job and working in company capacity. That means if you are in the store, delivering a load of supplies in the company truck, doing siding work for a customer, or out in the parking lot. Workers’ compensation is a special, no-fault insurance that is designed to protect the company and its workers in the event of a workplace accident. What Do I Do After A Parking Lot Accident? If you are injured while working at Lowe’s in the parking lot, you will handle this just as you would an accident in the store or in the delivery truck. You will need to make sure your manager or supervisor is notified as soon as possible. It is imperative to make sure an accident report is completed in a timely manner. You will also need to get a copy of this report. Make sure you give your account of the incident as soon as possible, while the incident is still fresh in your memory. Make sure any witnesses are documented, so they can give their account of what happened. This includes employees and customers. Seeking Medical Care If you are seriously injured, call an ambulance. For example, you were helping load building materials when a truck backed into you. Or, you were loading a truck when you fell off the back of the truck and hit your head on the pavement. If injuries are not that serious, you can be transported by private vehicle. There is a list of approved workers’ compensation physicians approved by your employer and their insurer. This list should be posted in a visible location, such as by a timeclock or in a breakroom. If you don’t see this list, you will need to ask for a copy. If you don’t see a physician on the approved list, your medical expenses might not be covered by the workers’ comp plan. Maintain Documentation Maintain documentation and follow through with medical care. Keep copies of medical records. Your physician must put any restrictions or limitations in writing, so keep copies of those notes. As an example, if you must miss work for a week or if you can only perform light duty. Adhere to doctor’s orders. Sometimes claims are denied. For example, you fell out of a truck and injured your shoulder. Lowe’s found out you had undergone surgery on that shoulder in the past, so they denied your claim and said your condition was pre-existing. You will need an attorney to file an appeal regarding the decision. Sometimes benefits are stopped, then a lawyer will have to fight to have benefits reinstated. Consult With a Workers’ Compensation Attorney If you have been injured in a parking lot accident while working at Lowe’s, you should consult with a workers’ compensation attorney. Complete the Free Case Evaluation Form on this page to have your case reviewed by a lawyer. *Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Lowe's, or any other party, you may not be entitled to any compensation.
