QUESTION $3$

Which of the following is correct regarding workers' compensation insurance?

All states permit employers to self$-$insure if they demonstrate that they have the ability to pay workers' compensation claims.

If an employee is injured in an automobile accident while she is driving to an off$-$premises restaurant during her personal lunch hour, the injury is not covered by workers' compensation insurance.

If an employee is injured in an automobile accident while she is driving to an off$-$premises restaurant during her personal lunch hour, the injury is covered by workers' compensation insurance.

The federal government usually requires employers to purchase workers' compensation insurance.