My boss isn’t covered by Workers’ Comp. What happens if I get hurt at work?

Ohio attorney Gary Cowan discusses what to do if you’re injured at work but your employer isn’t covered by Workers’ Compensation.

 

With most employers, you have access to insurance if you’re injured on the job through a program called Workers’ Compensation.

Workers’ Compensation, or “Workers’ Comp,” is a fund that provides medical attention and treatment to employees after a job-related injury. So, what happens if you don’t have worker’s compensation available to you? Do you have any options to help pay for the harm you suffered?

No Workers’ Comp? – Three things you should know about bringing a lawsuit after a job-related injury

  1. The first thing your attorney will do is to determine whether your employer was at fault for the accident. Remember, even if your employer is not covered by Workers’ Compensation, you may still be awarded money due to their carelessness. An experienced personal injury attorney will question potential witnesses or even co-workers during an interview called a deposition to ascertain the cause of the accident and establish who was at fault.
  2. The next step will be to combat any claims made by the employer. Typically, a company will claim you were negligent in some part of your job and caused your own injury. To build a successful case, your attorney will need to prove your injury occurred due to someone else’s carelessness, rather than your own actions.
  3. Finally, your attorney will look for a way to resolve your case and bring you the compensation you deserve. Whether the fault lies with your employer, a third party or even a co-worker, a knowledgeable lawyer will research all possible methods of recovery through each insurance company and the various policies. By exploring all options, your attorney can help you recover costs related to your injuries – such as medical bills, lost wages and other expenses that you’ve incurred, including any future medical care you may need.

To learn more about personal injury law, I encourage you to watch the video above and to explore our educational website at http://www.elkandelk.com. If you have legal questions, please call us at 1-800-ELK-OHIO. I welcome your call.

Gary Cowan

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