You drive for work, so the likelihood is that you'll get into a crash while you're on the job if you ever do. That realization was made extremely clear when you were involved in a collision on the way to a job site.
When you were involved in the crash, the other driver was distracted. They merged into your lane unexpectedly and caused you to spin. In total, several vehicles ended up involved, and you were severely hurt.
In crashes like this, you're able to seek workers' compensation for your injuries. As long as you were in the course of your duties at the time of the crash, your employer should be held liable. In this case, you were already on the clock at work, and you were driving to a client's site. As a result, you should be covered by your insurance through workers' compensation.
Are there times when you won't be compensated when driving for work?
It can depend on the circumstances. For instance, if you're on a lunch break, then there is the potential that your employer could tell you to make a personal injury claim, not a workers' compensation claim. If you're driving to work or are driving home from work, those are times when workers' compensation is also unlikely to pay for any injuries you suffer in an auto accident.
Our site has more on what to expect if you're involved in a crash while you're on the clock. In most cases, you should be able to seek workers' compensation and get the coverage you need for lost wages, medical care and other needs.