What should I do if I was injured at work without workers’ compensation benefits?

What should I do if I was injured at work without workers’ compensation benefits?

Most employees who are injured on the job assume that their best option is to file a workers’ compensation claim. However, Texas does not require employers to purchase workers’ compensation coverage. Because of this, a workers’ comp claim is often unavailable to injured workers.

While you may not obtain workers’ compensation benefits, you can still bring a Houston work injury claim against your employer or any other party who negligently caused your injuries.

The biggest difference between a personal injury case and a workers’ compensation claim is that an injured worker must prove that the defendant—either their employer or some other third party—was negligent in causing the workers’ injuries. While this may seem like a straightforward task, it is not always the case.

When you file a Texas personal injury claim against an employer or another at-fault party, their insurance company will likely be the one defending against the case. Insurance companies are profit-motivated corporations that have every reason to deny your claim or settle it for as little as possible. Not only that, but insurance companies have highly skilled lawyers working for them, creating a knowledge gap between you and the insurance company. In other words, the insurance company knows the system and uses this knowledge against vulnerable injury victims.

Other Workers’ Compensation FAQs:

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