Commuting accident
A commuting accident is an accident suffered by an employee on the way to or from work. This also includes detours that are necessary. For example, this could be the way to the daycare center to drop off or pick up a child. A commuting accident is therefore an accident at work, which is covered by statutory accident insurance.
The way to work
The journey to work begins with leaving the front door of the residential building and ends there accordingly. A fall in your own stairwell therefore does not count as a commuting accident.
It is irrelevant which means of transport the employee uses for the journey. It is therefore irrelevant whether the employee travels by bike, car, public transport or on foot.
When must a commuting accident be reported to the employer?
A normal commuting accident must be reported to the employer by the employee within a maximum of 3 days after the event.
Examples of commuting accidents
We have summarized 4 examples of a commuting accident for you below:
- Child is taken to daycare during working hours
- Carpooling
- Detour
- Workplace can be reached more quickly over a longer distance
Accident at work or in the line of duty
These are accidents that occur during work or on duty.
These occupational or work-related accidents include, for example, the following:
- Business trips associated with work
- Trips to participate in company sports
- Travel for participation in company events such as company vacations and excursions
The exceptions
There is no insurance cover if injuries occur accidentally during working hours or on duty without any external influence.
Accidents that are caused intentionally are also not accidents at work. Accidents during private activities and accidents caused solely by drunkenness are also not considered accidents at work.
