Ordinarily, when one is involved in an automobile accident, the injured party files a claim with the at-fault driver’s insurance company. When a person is involved in an accident with a co-worker in the course of their employment duties, however, the injured party may collect workers’ compensation instead. Can the injured employee “double-dip” and also collect under a Uninsured/underinsured motorist policy? This was the issue in a recent case out of Delcambre, Louisiana.
Annique Johnson, Wanda Theriot, and Emily Laester were employees of Le Bon Manger, Inc. While acting within the course and scope of their employment; the employees were in a car accident while Laester was driving. Laester was at fault, and the employees sustained injuries. Johnson and Theriot filed claims for workers’ compensation benefits and settled those claims. Later, Johnson and Theriot (Plaintiffs) filed a civil lawsuit against their employer, Laester, and State Farm under separate policies for each party. State Farm filed a motion for summary judgment to dismiss the case because the Plaintiffs already collected under workers’ compensation law. The plaintiffs appealed to the Louisiana Third Circuit Court of Appeal.
Under Louisiana law, fellow employees have statutory immunity from lawsuits brought by co-employees for which workers’ compensation laws provide the sole remedy. See La. R.S. 23:1032. This lack of standing to bring a lawsuit automatically means there can be no lawsuit against the co-employee car insurance company. See Hebert v. Clarendon Am. Ins. Co. Essentially, the availability of workers’ compensation erases the existence of an uninsured/underinsured motorist and erases the availability of that coverage.