When an accident happens at work, sometimes there is no one to blame. These types of injuries are usually covered by worker’s compensation. In a worker’s comp claim you are entitled to reimbursement of medical expenses and some of your lost wages, but you cannot claim anything for pain and suffering damages – even if your injury is permanent and very serious. It is important to take a careful look at any workplace injury – including traffic accidents while on-the-job – to see if someone other than yourself or a co-worker is at fault. If so, you can make a claim against that person who was at fault and claim much more than in a worker’s comp case.
In some cases you can even get worker’s comp benefits in addition to making a claim against another party. These cases are confusing with different levels of insurance coverage to keep straight. Different rules apply to different kinds of insurance, and sometimes one insurance policy has a right to be reimbursed by another insurance policy. Get the help of an experienced lawyer to avoid making any serious mistakes.