路上被撞了算工伤保险吗

2025-04-07 20:14:07
推荐回答(1个)
回答1:

保险小编帮您解答,更多疑问可在线答疑。

一、根据《工伤保险条例》的规定,上下班途中的机动车交通事故属于工伤,无论是驾车还坐车,也无论责任在谁,所以这一点你可以放心;
二、但工伤赔付是第二程序,首先应该按交通责任事故进行处理,待两方责任划分和赔付完结后(一般参加了车险的由保险公司赔付),再由工伤保险(未参加保险的由单位)赔付你按工伤应赔付的部分。比如该事故交管部门认定你的全责,则由你和你的保险公司赔付对方相关费用,然后再由工伤保险部门赔付你工伤的医疗费和伤残补助金(该待遇要经劳动部门鉴定工伤十级以上才有,否则只有医疗费);
三、应注意的几点:
1、交通事故必须是在上下班的必经的合理路线上发生的,否则有可能认定为非工伤,这个具体可以向当地劳动行政部门咨询,因为各地可能掌握的标准不统一;
2、注意保存好交通事故处理的相关文书,如交通事故责任认定书、事故调解书、保险公司的赔付表等等,在你进行工伤赔付的时候,工伤部门会要求你出示这些东西以证明第一程序已完结。

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