Car Wrecks When You Are On The Job: You Still Have Good Options

Here in the Dallas Fort Worth Metroplex, car accidents happen every day when drivers are working. Whether you are a delivery person, heading out to see a customer or running and errand for your work, you are subject to the same dangers out on the roads as you are when you are driving on your own personal time. The difference is that when you are working and you have a car wreck, you are probably covered by workers comp insurance. It isn’t mandatory in Texas for employers to carry comp insurance, but most employers have it. If you are covered by workers comp, all of your medical treatment will be paid for by your employer’s workers compensation insurance carrier and you will also be compensated by the workers comp carrier for a portion (but not all) of your lost wages while you are unable to work.  But, unfortunately, comp does not pay you for the pain and suffering and other damages, like scarring. Workers comp also does not pay you all of the wages you are missing—just 70%.

The solution to the problem of the limited compensation provided by workers compensation insurance is to make a claim against the other driver –assuming they are the one who caused the accident in the first place. If the at-fault driver has the required state-mandated liability insurance, then you have the legal right to pursue a claim against that driver (or more accurately, the driver’s liability insurance company).  By making a claim against the at-fault driver’s liability insurance policy, you have the potential to receive the full compensation to which you are entitled.  By making a claim, you can get receive money to compensate you for your complete lost wages, your pain and suffering, your scarring, your loss of enjoyment of life. Without making a claim, you are essentially stuck with what you get from the comp claim, which usually is far short of compensating you for your serious (and sometimes permanent) injuries.

Here at the Anderson Law Firm, we routinely handle claims where our client was hurt on the job. The comp carrier will want to be paid back the money they spent on our clients, so we also get that money from the responsible parties insurance company and then reimburse that money back to the comp carrier.


Other Articles You Might Be Interested In:
Damages Recoverable In A Texas Accident Claim
What To Look For In Hiring An Attorney
Texas Injury Claims If You Are Covered Under Worker’s Compensation
Finding The Right Lawyer For You
On- The- Job Injuries And Worker’s Compensation