Most people assume that if they get hurt on the way to work, it’s not covered by workers’ compensation. But in Maine, there are exceptions especially when the commute is part of your job duties or you’re traveling for work-related reasons.

When does Maine workers' comp cover a commute accident?

Generally, injuries that happen during a regular commute like driving from home to an office are not covered under workers’ compensation. That’s because the law sees commuting as a personal activity, not a work task.

But there are clear exceptions. If your travel is required as part of your job, such as visiting clients, attending meetings at different locations, or delivering goods, then an injury during that trip may qualify.

For example, if you're a sales representative and you’re injured in a car crash while going from one client site to another, that could be considered a work-related incident. Similarly, if you’re a delivery driver who gets into an accident while making deliveries, you likely have a claim.

What if I’m hurt while riding a bike to work?

Even if you’re using a bicycle, the same rules apply. If your commute is routine like biking from your house to your usual workplace it usually isn’t covered. But if you’re biking between job sites during a workday, like a field technician moving between repair jobs, that’s more likely to be eligible.

It helps to keep records: photos of the route, timestamps from your phone, or logs showing your schedule. These details can support your case if you need to prove the trip was work-related.

Common mistakes people make after a commute accident

One of the biggest mistakes is waiting too long to report the injury. In Maine, you must file a workers’ comp claim within a specific timeframe usually 30 days of the incident. Delaying can weaken your chances of getting benefits.

Another mistake is assuming that insurance will automatically cover the injury. Most auto insurers won’t pay for medical costs related to a work commute unless it’s proven to be part of your job duties. Workers’ comp is often the right place to turn.

Some people also fail to document what happened. A quick note about the time, location, weather, and any witnesses can make a big difference later on.

How to start your claim after a work-related commute injury

If you were hurt while doing something directly tied to your job during travel, the first step is to report the incident to your employer as soon as possible. Then, gather all relevant information: medical records, police reports (if applicable), and any messages or emails confirming your work assignment.

Next, contact a lawyer who understands Maine’s workers’ compensation system. They can help you determine whether your situation qualifies and guide you through filing the proper forms. You don’t have to go through this alone.

Understanding your legal rights after a commute accident is a key step, especially if your employer disputes the claim.

What kind of benefits might I receive?

If your claim is approved, you could receive wage replacement while you recover. This typically covers a percentage of your lost earnings. Medical expenses related to the injury like doctor visits, physical therapy, or prescriptions are also covered.

You might also qualify for permanent disability benefits if your injury results in lasting limitations. The amount depends on how much your ability to work has changed.

Real next steps: What should I do today?

  • Write down exactly what happened, when, where, and why you were traveling.
  • Take photos of the scene, your vehicle, or any visible injuries.
  • Get medical treatment even if the injury seems minor. Early care helps build your record.
  • Report the incident to your employer within 30 days.
  • Review your job responsibilities. Was this travel part of your assigned duties?
  • Consider speaking with a Maine attorney who handles commuting accident cases. A specialist can help assess your eligibility.

Workers’ comp doesn’t always cover every commute injury but when it does, it can make a real difference. Knowing the rules and acting quickly gives you the best chance to get the help you need.