If you’re seriously injured at work, it can be a double blow to your finances and personal life. Not only are you going to be out of commission for a while, thereby likely losing a significant portion of your income, but you also have more expenses to think about. Medical bills can pile up fast and become overwhelming. However, there are options available to help you through this difficult time.
What is Workers Compensation?
Workers compensation insurance is a requirement of all New Jersey businesses, regardless of size. It will cover medical bills along with some of the lost wages if you’re injured at work. Who is at fault is not important in these claims, you will be covered regardless, but if you have workers comp, your employer cannot be sued for your injuries. So, while bills and partial wages will be covered, that is the extent of it. You will not be compensated for damages.
Should I File a Third-Party Lawsuit?
Any third party involved is still liable in a personal injury case. By filing a third-party lawsuit, you can receive compensation for your injuries. But you will not be paid twice for things like medical bills and wages. If you don’t know that you have a valid third-party lawsuit, you could miss out on receiving the maximum compensation. For example, some may not know that subcontractors are considered a third party and therefore could be
liable if they cause an injury. This is why speaking with a workers comp attorney who has experience can be important.
If you suffered a work-related injury that may involve a third party, contact an attorney at Targan & Pender, P.C. for a free consultation today.