Sales Reps, High Mileage, And Road Risks

For many sales representatives and other professionals whose jobs require constant travel, time on the road is part of the workday. Whether you’re visiting clients across Baltimore, covering multiple counties, or driving long stretches along I‑95, the miles can add up quickly. Unfortunately, the more time you spend behind the wheel, the greater your risk of being involved in a car accident.

If you’re a Maryland sales representative or other high-mileage worker injured in a crash, you don’t have to handle the aftermath alone. A Baltimore personal injury lawyer can help ensure your damages are fully and fairly covered so you can focus on recovery, not on financial stress.

Who Is Responsible for a Work-Related Car Accident?

Sales professionals often drive hundreds of miles each week to meet with customers, attend events, or deliver products. This high mileage increases exposure to common accident risks such as heavy traffic, distracted driving, fatigue, and hazardous weather like rain, snow, and fog. Even the safest drivers can find themselves in collisions simply because the odds of encountering a dangerous situation rise with each mile traveled.

After an accident while driving for work in Maryland, determining who is responsible for covering your expenses depends on several factors:

• Employer liability. Employers can be held responsible for accidents caused by employees acting within the scope of their job duties. If you were making a sales call, attending a client meeting, or delivering goods when the accident occurred, your employer’s insurance may cover your damages.
• Workers’ compensation. Injuries while on the clock may also be eligible for workers’ compensation benefits. These benefits can help cover medical bills and part of your lost wages, regardless of fault, though they won’t typically compensate for pain and suffering.
• Personal liability. If you were using your personal vehicle for work, your own auto insurance might also play a role, particularly if you were found partially or fully at fault. Depending on your coverage, you could still face out-of-pocket expenses.

Work-related accidents can be legally complex, especially when multiple insurance policies and employer responsibilities are involved.

Do I Have to Pay Accident-Related Costs?

The short answer is it depends. Things that will need to be reviewed include fault, insurance coverage, and whether an employer is legally responsible. In some cases, the employer’s commercial auto insurance or general liability policy covers all damages. In others, your personal policy might need to pay first. If there’s a dispute over coverage, you could end up facing significant bills unless you take legal action.

An experienced Baltimore personal injury lawyer can investigate the crash and determine whether you were acting within the scope of employment. Next, they’ll identify all potential sources of compensation, such as employer insurance, workers’ comp, personal auto coverage, or a third-party claim. Negotiating with insurers to ensure you’re not stuck paying costs you shouldn’t is also key.

Where did your work vehicle accident happen? If the crash was in Maryland, talk to the attorneys at Iamele & Iamele, LLP about the possibility of an insurance claim or pursuing legal action. Schedule a confidential appointment today, simply contact us.