Every state has different laws that apply to this type of scenario. In most cases, if the driver was injured in a company vehicle while working, workers' comp benefits would apply first, with the car insurance company policy covering the rest of the losses. Since worker's compensation only pays for a percentage of your lost wages and your medical bills, the other insurance policy will be responsible for the remaining lost wages, lost benefits, and other damages like pain and suffering that may apply. As you can see, the issue becomes very complex because both insurance companies will be very aggressive about trying to make the other one cover the majority of the expenses. Sadly, this can lead to the victim being caught in the middle of the fight. This is why it is crucial to have a car accident lawyer manage your claim. Your attorney will protect your rights as an injury victim and ensure that the insurance companies treat you fairly.