If someone drives into you and totals their car and hurts you while you are on work business, they only worry about paying for your costs. The car is a tax writeoff to them.
If someone drives into you and totals your car and hurts you while you are on work business, they need to now worry about paying for you and your car.
To add on a hypothetical:
If someone drives into you and totals their car and hurts you while you are on work business, they only worry about paying for your costs. The car is a tax writeoff to them.
If someone drives into you and totals your car and hurts you while you are on work business, they need to now worry about paying for you and your car.