What to do when your employer doesn’t carry worker’s comp insurance
by Tim O’Hare
Have you been injured at work, only to learn your employer does not subscribe to worker’s compensation insurance? Wondering what to do now?
Businesses and organizations have the freedom to choose whether or not to subscribe to a worker’s compensation insurance program. Many times, especially in the current state of the economy, companies opt out in an effort to save money. Worker’s compensation insurance plans are designed to protect both the employee and the employer.
When a company subscribes to a worker’s comp insurance plan, they are protected by The Texas Worker’s Compensation Act, an act put into place to protect employers from the legal consequences as a result of an employee’s work-related injury. Companies that choose to carry a worker’s comp insurance plan are covered in the event of an employee injury and the insurance company will cover the injured worker’s medical expenses and a portion of his or her wages. On the flip-side, companies that do not carry worker’s comp insurance are not protected by this act.
If you’ve been injured at work and your employer does not carry insurance to cover your injury, you have the option to pursue a claim against your employer for your loss, including medical expenses and lost wages. In this circumstance, you need the help of a personal injury attorney who will stand up for your rights as the injured worker. In non-subscriber cases, the employer will often seek the help of an attorney whose sole purpose is to release the employer from liability in the case, leaving the injured worker with no way to pay for medical bills or recover lost wages.
The Law Offices of Tim O’Hare works with individuals who have “non-subscriber” job injury cases. In a situation where someone is injured at work and his/her employer does not subscribe to a worker’s compensation insurance plan and is negligent, we will get involved. We also take cases where a third party is involved. For example, if an individual driving a car for work is involved in an accident caused by another party unrelated to the company, we will work on behalf of our clients to get fair compensation from the at-fault party’s insurance.
If you have been injured at work, you may be entitled to compensation to cover your medical expenses and perhaps even lost wages. If you’re wondering whether or not you need an attorney or have a case, call us. The experienced legal team at The Law Offices of Tim O’Hare will assess your case for FREE, and guide you through the process if we take on your case.
Call The Law Offices of Tim O’Hare for your FREE Case Evaluation 972-960-0000 or Toll-Free 888-960-0020