While making a delivery for an employee, an employee's car was struck by a truck that went through a red light. The employee suffered a broken arm. In this situation, coverage for the injuries would most likely be provided by the:

While the truck driver may be liable for the accident due to running a red light, their personal auto insurance would typically cover damages to third parties rather than the driver’s own injuries. Since the employee is not a third party to the truck driver’s policy, this option does not directly address the coverage needed for the employee’s injuries.

An employee's general hospitalization plan may cover hospital expenses, but it does not specifically address injury-related costs incurred from an automobile accident. This type of plan is not designed to provide comprehensive coverage for injuries sustained while driving, especially in a work-related context.

Although Workers' Compensation Insurance would cover work-related injuries, it typically applies when the employee is engaged in their job duties. However, since the accident occurred while the employee was driving their vehicle—not while performing a task at the workplace—this insurance may not fully cover the specific injuries from this incident.