When you have to drive as part of your job, one of the things that can happen is an auto accident. For the most part, people understand that the time they spend driving to work or to home is their own. If they are hurt, they don't file a claim with their employer. Instead, they file a claim with the other party's insurance carrier.
When you're working a job that requires travel, there is always the possibility that you could be involved in an auto accident. On-the-job auto accidents are relatively common, affecting people as they travel to worksites or make deliveries.
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.