Question 1

Coverage for the injuries would most likely be provided by the employee's personal No-Fault Insurance.

In this scenario, the employee's personal No-Fault Insurance would typically cover medical expenses and lost wages resulting from the accident, regardless of who was at fault.

A) truck driver's personal auto insurance

While the truck driver's personal auto insurance may cover damages to the employee’s car and possibly liability for the accident, it is not the primary source for the employee's medical expenses and lost wages due to the injury sustained.

B) employee's general hospitalization plan

The employee's general hospitalization plan might provide some coverage for medical expenses; however, it is not specifically designed to address injuries related to vehicular accidents. No-Fault Insurance is more appropriate in this context.

C) employee's personal No-Fault Insurance

This option is correct as No-Fault Insurance is designed to provide coverage for injuries sustained in car accidents without determining fault. It ensures that the employee receives timely benefits for medical expenses and lost income resulting from the accident.

D) employer's Workers' Compensation Insurance

Workers' Compensation Insurance would generally cover injuries that occur in the workplace or during work-related activities. Since the accident happened while making a delivery in a personal vehicle, this insurance would not apply in this instance.

Conclusion

The employee's personal No-Fault Insurance is the most appropriate coverage for the injuries sustained in this accident, as it provides benefits for medical expenses and lost wages directly resulting from the car accident, irrespective of fault. Other options either do not provide the necessary coverage or are not applicable to the circumstances of the incident.