Have you been injured while at work or while performing any of your given work duties with a slip and fall? If you have, then you might be thinking about filing a workers’ compensation claim to be paid for your medical bills to help you recover from your injuries.
However, did you know that you are able to file a personal injury claim which can provide you a much better compensation than a workers’ compensation claim? Usually, workers think that when they are injured at their workspace that the only option they have is only through a workers’ compensation claim but in some situations, you can file a personal injury claim for a work accident too. A lot of people believe that a personal injury claim is the same as suing your boss, but in reality, a third party may be responsible for your injury, such as the owner of the building. In this kind of scenario, this third party’s insurance will be responsible and handle the cost of your medical bills because of their safety shortcomings.
If you are unsure whether you need to file a workers’ compensation or personal injury claim, then make sure you read until the end to understand which claim would work best for your situation.
Workers’ compensation claim
The big difference between a personal injury and workers’ compensation claim is proving fault. If you are injured at your workplace or somewhere off-site while doing work-related tasks and you decide to file a workers’ compensation claim, you will not have to prove that your co-worker, employer or any other party caused your injury. Instead, you are entitled to receive the workers’ comp benefits even if the injury was your fault.
This is exactly why this type of coverage exists. It is meant to protect workers who get injured in any way since even if the injury was their own fault, they would not have been injured at all if they were not on working for the company. If you decide to opt for the workers’ compensation claim, keep in mind that you will not receive anything outside of the medical bill costs, such as pain and suffering compensation. You will be able to receive payment for the cost of vocational rehabilitation, permanent impairment benefits, and weekly compensation wages.
If you think that you need a compensation for your injury that happened while you were at work then check out this website to get the best out of a workers’ compensation claim.
Personal injury claim
The difference between a personal injury claim and a workers’ comp claim is that the prior option is not limited to any specific group of people like workers. Anyone who is injured because of the negligence of another is eligible to file the personal injury claim. In order for an injured worker to win this claim is through a much broader route. They must prove that another party or person was negligent or at fault and caused those injuries (Notice the difference with the workers’ compensation claim since it does not require you to prove the fault of your injuries).
Unlike workers’ compensation damages, personal injury damages are compensatory, which can include, loss of future earning capacity, damages for pain and suffering because of the injury, medical expenses, and lost wages.