Hurt while traveling between job sites in Missouri? Learn when work travel injuries may be covered under workers’ comp and what to do if your claim is denied.
If you were injured while traveling from one job site to another — or while running a work-related errand — you may be wondering whether Missouri workers’ compensation covers what happened.
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The “Coming and Going” Rule in Missouri
Missouri workers’ compensation generally does not cover injuries that happen during your normal commute to and from work. This is known as the “coming and going” rule. If you were hurt driving from your home to your regular workplace, that injury typically falls outside the scope of workers’ comp.
But traveling between job sites during the workday is a different matter entirely.
When Travel Between Job Sites Is Covered
If your job requires you to move between locations during the workday — and you were injured in the process — that travel is often considered part of your employment duties. Workers’ compensation may apply when:
- You were driving between two work locations at your employer’s direction
- You were on a work errand (picking up supplies, making a delivery, visiting a client)
- You were using a company vehicle for a work-related purpose
- Your employer provided transportation to the job site
- Your work requires travel as a regular part of the job (e.g., sales reps, construction workers, home health aides).
In these situations, the injury occurs “in the course and scope” of employment, which is the legal standard that matters under Missouri law.
Gray Areas to Watch For
Not every situation is clear-cut. Insurance companies will often look for reasons to deny travel-related claims. Common disputes arise when:
- You made a personal detour before or during the work trip
- You were driving your own vehicle without a clear work directive
- The trip could be framed as part of your regular commute
- You were traveling to a training or an off-site meeting that your employer required
Even if your claim has been denied or disputed, that doesn’t mean it’s the end. Depending on the facts of your situation, there may be a strong argument that your injury is covered.
What to Do After a Travel-Related Work Injury in Missouri
If you were hurt while traveling for work, the steps you take early on matter:
- Report the injury to your employer as soon as possible — Missouri has strict reporting deadlines
- Document everything — where you were going, why, and what your employer asked you to do
- Save records — mileage logs, emails, work orders, anything that shows the trip was work-related
- Seek medical care and follow your doctor’s instructions
- Don’t sign anything from the insurance company without understanding what you’re agreeing to

Talk to a Workers’ Comp Attorney Before You Assume You’re Not Covered
Travel injury claims are among the most frequently disputed in Missouri workers’ compensation. If an insurer has denied your claim — or if you’re unsure whether your injury qualifies — it’s worth a conversation with an attorney who handles only workers’ comp cases.
The Law Office of James M. Hoffmann has represented injured Missouri workers for over 30 years. Attorney James M. Hoffmann personally oversees each case — you won’t be handed off to a junior associate or a call center.
Call (314) 361-4300 today for a free consultation, or fill out our online contact form.
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Frequently Asked Questions
It depends on the purpose of the trip. Injuries that occur while traveling between job sites, running a work errand, or performing any task directed by your employer are often covered. Injuries during a normal commute to and from your regular workplace typically are not.
The coming-and-going rule generally excludes injuries that occur during your routine commute — driving to your regular workplace and back home. However, this rule has important exceptions. If your employer directed the travel, provided a vehicle, or the trip was part of your normal job duties, the injury may still qualify for workers’ comp benefits.
Being in a company vehicle is a strong indicator that the travel was work-related, which may support a workers’ comp claim. However, insurance companies will still look at the purpose of the trip and whether you made any personal detours. Document exactly where you were going and why.
Yes — travel injury claims are among the most frequently disputed in Missouri. Insurers may argue the trip was personal or that you deviated from your work duties. A denial isn’t necessarily final. Depending on the facts, you may have grounds to appeal.
Report the injury to your employer right away — Missouri has strict reporting deadlines. Document the purpose of your trip, save any work orders or communication showing you were directed to travel, seek medical attention, and avoid signing anything from the insurance company before speaking with an attorney.