If an employee is injured in a company car while working is she entitled to auto med payments + workers comp?

No. There's an exclusion under the med pay section for injuries that are "workers compensable".

No.

Most Med Pay provisions in personal auto policies specifically exclude coverage for employees covered by workers comp.

The policy also has other exclusions that could come in: vehicle provided for your regular use that is not owned by you (usually excluded), business use of vehicle is also usually excluded.

This situation would normally be covered under the employer's workers' compensation insurance, not auto insurance.

Your employee is not entitled to auto med payments. Only work compensation payments. However if the scenarios occurs:

Say your employee was driving the company car but decided to leave the normal route to buy toilet paper and goes 3 miles away and gets into the accident, than its possible that it's a deviation, work comp is denied and it's possible that auto med payments would apply.

If she was driving, goes off the point A to point B route for a small errand and she come back on point A to B route than crashes, it's a work comp.

If she was driving from point A to point B and got into an accident, than it's work comp.

Each state is different with deviation laws, miles away is always the main question.

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