What If My Employer Doesn’t Offer Workers’ Comp?

Many Texas employees work for non-subscribers, meaning their employers do not offer workers’ compensation. In Texas, offering workers’ comp is not required. However, this does not mean that you do not have options for getting compensation in the event of a serious work-related injury. You can get the financial help you need through a personal injury case. Sometimes injuries are caused by contractor negligence or by equipment manufactured by a third party. This means that your employer was not at fault, but a third party may have been.

Please make sure you have information related to the circumstances of your injury documented to help your claim be the strongest it can be. How Did the Injury Occur? Were you injured because the equipment you were using had improper instructions? Did the accident happen because your employer didn’t properly train you? Was a contractor negligent in providing safety materials for your job? These are all important questions to find out who should be held liable for your injuries.

If your injury is disabling and prevents you from returning to work, you may qualify for assistance from Government programs such as Social Security Disability Insurance. (SSDI)Should You Pursue Multiple Claims? In certain circumstances, it may be necessary to make multiple claims. For example, let’s say Jon works at a gardening plant operating a forklift. Jon received no training to operate the forklift, and the steering malfunctioned, causing Jon to lose control and flip the forklift. Jon seriously injured his leg. Jon could file a case against his employer for failing to train him and the forklift manufacturer for manufacturing a defective product.

Often, an injury results from multiple factors that may be the fault of different parties. Taking legal action against one party can be taxing enough, especially if you are doing it by yourself. Consulting a personal injury attorney with experience in complex work-related personal injury cases could save your finances from free fall, and save you from wasting time and energy filing your claim against the wrong party.The work injury attorneys at Mike Love & Associates, LLC can help victims of on-the-job accidents with a Texas nonsubscriber or third-party claim. Injured? Contact us today.