Car Accident Exclusion Applies In Injured Worker Case

A federal judge on Friday tossed out a suit involving two insurers battling over who is liable for an accident involving an injured worker who suffered grave, secondary injuries while being transported for medical care by a third party.

Workers compensation insurer Employers Insurance Group contracted with One Call Medical Inc. to provide services to its clients, including arranging transportation for injured workers.

In 2016, One Call arranged for an injured worker covered under Employers to be transported to his medical appointment in a taxi, neither owned nor operated by One Call.

On the return trip the van was involved in a five-vehicle collision. The worker was rendered a quadriplegic as a result, according to documents in One Call Medical Inc., et al. v. National Fire & Marine Insurance Co., filed in U.S. District Court in Sacramento, California.