What Does An Accident Cost? Every accident has something in common: It costs everyone involved something. There are direct and indirect costs, both to the employee who was injured and the employer who eventually will pay for the accident. The costs are more than dollars. Guide for Discussion Employee Direct Costs Lost regular wages and overtime Employee Indirect Costs Mental anguish, physical pain and suffering Decreased active participation with their family and friends (It's tough to be at a ball game when laying up in a hospital bed) Inability to be productive on or off the job Employer Direct Costs Workers’ Compensation...