You May Be Entitled To Compensation From A Third-Party On Top Of Workers' Compensation Benefits
Worksite accidents are typically covered by workers' compensation insurance. However, there are some cases where you might be entitled to compensation outside of workers' compensation insurance if you are injured by a third party. Then, you may be entitled to more compensation than you would receive through workers' compensation alone.
The Limitations of Workers' Compensation
It's much easier to have a workers' compensation claim approved than it is to negotiate a settlement. However, there are also downsides to workers' compensation. For example, you will not be entitled to compensation for pain and suffering. Even the compensation for lost wages is limited under workers' compensation.
After you have filed a workers' compensation insurance claim, you will want to speak with a job-related injury lawyer. Before speaking with the lawyer, make sure to remember everything that occurred during the accident and write it down.
Liability for a Job-Related Injury
You might have been injured by another professional who was working on your job site. You might have been injured by a defective product that was required while working on your project. You might have been injured while by someone else, such as a motorist who struck you as you were working along the side of the road or you might have fallen down a flight of stairs because one of the steps was broken.
Filing a lawsuit can be complicated because you will need to exhaust all available options for compensation. For example, if you were hit by a car, you should file a claim against the insurance provider of the motorist. If the motorist does not have insurance, you may need to sue the motorist directly to receive compensation.
If you are injured by a product that was defective, it might be much easier to seek compensation from a larger company. However, you will need to prove that the product was defective and that it caused your injury. For example, if you were using a fall prevention harness and the harness is defective and broke, you may be able to seek compensation from the harness manufacturer.
Third-Party Damages for Work-Related Injuries
Once you have determined who is liable, the next step is to determine the damages you have suffered. To determine pain and suffering damages, you will often need to use a calculator that will allow you to come up with a figure that the defendant will then be required to pay. Then, you will be able to pay for your expenses.
Contact a local worksite accident attorney to learn more.