Understanding Your Rights When Injured on the Job

by Tim O’Hare

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If you’ve been injured in a work-related injury and assume your employer has insurance to cover your medical expenses, you might be wrong. Your worker’s compensation case is highly dependent on whether or not the company you work for carries worker’s comp insurance. Companies have the freedom to choose whether or not to subscribe to a worker’s compensation insurance program, and many times, companies opt out in an effort to save money.

The Texas Worker’s Compensation Act was 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.

Whether or not your employer has an insurance policy in place to cover medical expenses from any potential work-related injuries, if you’ve been injured at work, you are likely entitled to some form of compensation. Navigating the complexities of worker’s compensation laws, however, is not something you should do alone. Instead, turn to a personal injury attorney who has experience dealing with the wide range of worker’s comp cases.

Work-related injury cases fall into one of two categories: injuries covered by the employer’s workers compensation insurance and injuries that are not covered (due either to the nature of the injury or the employer’s lack of insurance). In the instance that an employer does not carry worker’s compensation insurance and an employee is injured at work, most likely that employer will turn to a “non-subscribers” lawyer to help. That attorney’s sole purpose is to release the employer from liability in the case, leaving the injured worker at fault. “Non-subscribers” attorneys can be some of the most difficult defense attorneys to work with.

The Law Offices of Tim O’Hare works with individuals who have “non-subscriber” job injury cases. In the instance that someone is injured at work and his/her employer does not subscribe to a worker’s compensation insurance plan and has shown negligence, we will get involved. We also take cases in which 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 are entitled to compensation to cover your medical expenses and perhaps even lost wages. If you’re wondering whether or not you need an attorney, call us. The experienced legal team at The Law Offices of Tim O’Hare will guide you through your worker’s compensation case and ensure you get everything you deserve.

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