A work accident can leave you painfully injured and in need of various types of support. Even a minor injury can mean you will need time off work and medical care, and these things can take a direct toll on your finances. Thankfully, there is likely support available to you through your employer’s workers’ compensation insurance. Depending on the circumstances of your accident, there may be another type of claim you could file.
After suffering from a work injury, it is in your interests to consider your options. In most cases, a workers’ compensation claim is the best course of action after a work injury. However, there are times when pursuing personal injury compensation through a civil claim is ideal. There are also times when it would be appropriate to seek compensation through both types of claims.
What does workers’ comp cover?
The intent of workers’ comp insurance is to provide injured workers with the ability to get help and financial support after a job-related accident. It also provides protection for employers because when an employee files a claim, he or she is essentially relinquishing the right to sue the employer. This insurance generally covers the following:
- Recovery of a portion of lost wages
- Medical care
- Rehabilitation benefits
Workers’ comp covers most types of job-related injuries. However, if a third-party is partially to blame for what happened, you could also pursue a personal injury claim. For example, this could be an option if a defective product caused your injury. A careful assessment of your individual situation could reveal what avenues of compensation you could pursue.
The right choice for you
Whether you should seek workers’ compensation benefits, a personal injury claim or both, it is important not to leave any money on the table. A careful assessment of your case can reveal what options could be available to you and how to fight for the maximum amount of compensation.
It is in your interests to work with an experienced Florida attorney who understands both the workers’ compensation process and the personal injury claims process. This guidance will be invaluable as you seek to put the pieces back together and move forward after a work accident. You have the right to pursue whatever it takes for a full and fair recovery, but you do not have to do this alone.