You can file a worker’s compensation claim if you suffer an injury while working. Worker’s compensation insurance pays you for some damages and lost wages.
You may also have a personal injury claim against a third party. A personal injury claim against a third party can maximize your potential recovery.
Benefits of a personal injury claim
Worker’s compensation provides limited coverage for damages suffered from a workplace injury, including a reduced amount of lost wages. However, if you file a personal injury lawsuit, you can seek to get full coverage for all damages, including pain and suffering.
Who can you sue
A person other than your employer must have caused or contributed to your accident to bring a third-party personal injury lawsuit. If you have a motor vehicle accident while on the job, you can sue any other persons at fault for the accident. If a tool or piece of equipment malfunctions during operation, you may have a claim against the manufacturer.
If you suffer a dog bite while making deliveries for the job, you may have a personal injury claim against the animal’s owner. Likewise, if you perform job duties at a neutral site, the property owner is responsible for any injuries resulting from dangerous conditions. If you work with hazardous materials, you can bring a suit against the manufacturer of those substances if injured while using them.
If you get hurt on the job, you need to pursue your best options to get fully compensated for all your damages.