There will sometimes be cases workers compensation will either not be an option, or it may not be enough. Whether you don’t qualify, or you're facing rising bill with insufficient compensation - there are still options for you.
It should be noted that if you choose to accept worker’s compensation, you no longer have the right to file a lawsuit against your employer. In most cases opting for workers compensation is the best route, however there are cases of catastrophic injury where the payout of a lawsuit would be far greater than what your worker’s compensation benefits will pay.
There are some instances where you can receive both compensation and file a lawsuit. Typically this is an option for someone who has suffered a work-related injury as a result of gross negligence or egregious conduct.
Additionally, you have the option to pursue a lawsuit against your employer if they do not have the correct amount of compensation coverage that is required by law.
Third-Party Liability Claims
Third party liability claims are for when your workplace injury was a direct result of someone who is not employed by your company. An example of this would be a pizza delivery driver getting into a car accident, where he is not at-fault, while making a delivery.
In these instances you can file a lawsuit against the third-party member with the help of a legal consultant in addition to or as an alternative to workers compensation.
The basic summary contained in this article is not enough to properly represent yourself against an insurance carrier. For more information, call 435-673-9990 to speak to a work injury lawyer in Southern Utah.
Related content: Is My Work Injury Covered?