If Terry suffers an injury at work covered by workers compensation, what happens to his medical expense insurance coverage?

When an employee like Terry suffers an injury at work that is covered by workers' compensation, the medical expenses related to that injury are typically handled through the workers' compensation system. In most cases, personal medical expense insurance policies provide no coverage for work-related injuries that fall under workers' compensation. This is because workers' compensation is designed to be the primary source of medical benefits for work-related injuries, effectively replacing the need for other medical insurance for those specific expenses.

This system is in place to ensure that workers receive benefits for injuries sustained in the course of employment without the complications of overlapping insurance coverage. As such, standard medical expense insurance policies would generally exclude coverage for conditions or injuries that are compensable under workers' compensation laws. Consequently, if Terry's injury is indeed covered by workers' compensation, his personal medical expense insurance would not provide additional coverage for the medical costs incurred due to his work-related injury.