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One situation when COID WILL pay for your employee's car accident

by , 28 July 2014
Let's say it's 8:53 am and you're in your office wondering where Callum is. Suddenly, you get a phone call to say Callum has been in a car accident. He's okay but he has to be off work for a few days.

Your first thought is of how you can help Callum. You could send him a gift basket, or maybe pay for his medical bills.

That's when you think of COID. The compensation fund will pay out, won't it?

The truth is, it normally won't, except in this one situation...

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Here's the rule of thumb around COID and accidents

 
According to the Compensation for Occupational Disease and Injury Act (COIDA), an accident must happen because of work before it'll pay out. It must happen while they're on duty.
 
This is the only time COID will consider it an occupational injury and pay out. Otherwise the accident isn't work related and it's your employee's responsibility to deal with.
 
So if your employee is on his way to or from work and isn't on duty, COID won't pay him workers' compensation. If he's on duty and on his way to a client (whether from his house or the office) and he has an accident, then COID will pay.
 
BUT! There is one situation when COID will pay for a car accident even if your employee is on his way to work...
 

This is when COID will pay for a car accident when your employee is on his way to or from work

 
COID will only pay for this accident if your employee is travelling with transport that your company pays for. He's in a company car, he's technically on company property and on duty.
 
So keep this in mind if any of your employees have a car accident in company transport so he can get the compensation he needs.
 
*********** Hot off the press  ************
Do you have more than 20 employees?
 
Don't ignore this health and safety obligation or else!
 
The DoL will slap you with a R50 000 fine or 1 year in jail if you don't have a health and safety representative. 
 
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