When it comes to working on any job site it can be hard to worry about what you would do if you were injured. Injury on the job site is more common than you might imagine and making sure that you know what coverages you have and what options you have can help make it far easier to deal with the aftermath of a workplace injury.
What is Worker’s Comp?
Worker’s compensation is a type of insurance coverage that employers are in most cases required to hold to protect both themselves and their employees. This type of insurance helps to pay the medical bills, time off, and more for those workers that might be injured while they are on the worksite. This type of insurance is used in nearly all workplaces but is most commonly associated with construction sites or types of workplaces where heavy machinery is used.
Worker’s comp is a great thing, it can help to cover cost of medical bills that are not covered by your insurance, money that you are losing by not being able to work, and you may even be entitled to a lump sum pay out for your injury and pain and suffering.
Worker’s comp pays for things like medical bills, the cost of living, lost wages and even funeral expenses in cases where the worker is fatally injured. This type of protection helps to make sure employees are covered and that there is not going to be any lawsuits against the employer.
Can You File a Worker’s Comp Claim if your Employer is not Insured?
In most states and countries, it is a requirement that businesses have some sort of workers comp insurance to help protect employees. In most cases, it is going to be a requirement that companies hold at least some sort of insurance to help protect their employees and themselves.
In cases where your employer doesn’t have insurance, you can get some coverage and you can still get some sort of monetary settlement to help cover your costs. When an employer does not have any sort of coverage they can face fines, lawsuits, and a ton of different problems.
Some employers, even when they do have workers comp insurance, may decide to settle without making a claim. When a claim is made it does push up rates and can affect how much your employer is going to have to pay for insurance in the future. In some cases, your employer may offer to pay your expenses and to give you a settlement in exchange for not making a claim. This is perfectly legal but you may still want some sort of legal representation, in this case, to make sure that the process is legal and well documented.
If your employer is not insured and you want to place a worker’s comp you can get some money and you can get some support. You may be able to sue your employer or to make a claim and you may be able to get worker’s comp benefits from your state. If you are dealing with an employer that does not have any insurance, it is always going to be a good idea to get some sort of representation to help with the process.
If you are filing a lawsuit because your lawyer does not have insurance legal representation is a great way to make certain that you are going to be treated fairly, that you are going to have an equal opportunity for compensation and that you are going to be able to get the money you need to be able to keep going and to recover after a workplace injury. It is always best to have representation to be able to help you understand the legal aspects, the terminology, and any other issues that you may not be able to understand on your own.
Though businesses are required to have worker’s comp insurance, it can be pricey and some employers opt to go without. If your employer is one of those, contacting a law firm that specializes in workers’ compensation claims can help you make sure you are going to get the money that you need to keep going.