If an employee is injured on the job, which insurance covers it?

• A. Workers Comp
• B. Health Insurance
• C. Disability Insurance
• D. Auto Insurance

Answer: (A)

On-the-job injuries are covered by workers’ compensation insurance. This coverage is designed specifically for workplace accidents, providing medical care and wage replacement to employees who are hurt while performing their job duties. It helps you get treatment without needing to sue your employer, and it typically covers doctor visits, rehabilitation, and a portion of lost wages during recovery. Health insurance handles general medical costs but doesn’t automatically provide wage replacement for work-related injuries. Disability insurance can replace income when you can’t work due to a disability, but it isn’t tied to a specific workplace incident. Auto insurance covers vehicle-related incidents, including those involving company vehicles, but isn’t the standard coverage for injuries that occur at work.