How to Get Injury Coverage If Your Employer Doesn't Carry Workers’ Comp

Many workers in Texas have jobs that do not have medical coverage for their workers in the event of a workplace injury. Employers are not required to carry workers’ compensation under Texas law.A serious injury sustained at work can take you from being able to support yourself, to going into debt very quickly. Not only are you losing wages from not being able to work, but are having to adjust to living with potentially debilitating injuries, such as broken bones, spine injuries, or even a brain injury.Many workers will not be able to afford medical bills for serious injuries on their own. However, there are other options you have in receiving injury coverage for work-related damages without workers comp.

What Other Options Are There Besides Workers' Compensation?

• Personal injury lawsuit: Many times, pursuing a personal injury lawsuit against an employer will be more beneficial than a workers’ comp claim would be. Employers have strict safety guidelines that they need to follow, and if a lack of safety regulation or care was committed by your employer, a personal injury lawsuit could be very beneficial to your case.
• Third-party lawsuit: Even if your employer does offer workers’ comp, a third party could be responsible for your work injury, making it necessary to pursue a third-party lawsuit. Many construction sites and other worksites involve not just a single employer, but other contractors and subcontractors working together. These contractors are responsible for some of the employees and worksite safety responsibilities. If a contractor’s employee or equipment caused an injury to an employee of another company, that contractor should be held responsible for damages. Other third-party claim examples include, car accidents caused by someone else while driving for work, and slip and fall accidents that occur working on someone else’s property due to their negligence.

Pursuing a lawsuit against a construction company or well-known equipment manufacturer will be difficult on your own. Lufkin personal injury attorneys at Mike Love & Associates, LLC have strong compassion for victims of workplace injuries that cannot get coverage. Their years of case knowledge help find where negligence occurred by an employer or contractor that contributed to your injury. Even if you do receive workers comp, it may not be enough to cover the full scope of your injury and recovery process. Mike Love & Associates, LLC are dedicated to fight for the best coverage possible.