Most state workers' compensation systems preclude coverage for injuries sustained while an employee is commuting to and from work (hence the name "coming and going"). There are many exceptions to this rule - such as where the scope of the employee's duties includes travel or where the employee was running an errand for the employer during his/her commute. Inquiry as to whether the "coming and going" rule applies to your particular situation should be made before simply ruling out the possibility of coverage for an accident which occurred during your commute to or from work.

(Reviewed 9-08)