More than half a million Texans face potential disaster if they get injured on the job.
According to the Texas Department of Insurance, between 500,000 and 600,000 Texas workers have no occupational insurance coverage, meaning that if they are injured while working, they are dependent on their own health insurance to get the medical care that they need.
Of course, health care will only pay the hospital bills. They and their families will still lose any income through their inability to work. In the most severe of cases, this might mean a permanent loss of income.
Although employers that do not carry a workers compensation insurance policy can be sued following a workplace accident, in many cases it is still very difficult for the injured employee to recover the compensation that they are entitled to. If there is no insurance, there must be other assets available to claim against. Very often, there isn’t – which means there is no case.
Consequently, those injured are left with no option other than to resort to public assistance. In short, the taxpayers are left footing the bill instead of the negligent employer. Texas is the only state in the entire country that does not require any businesses - of any size – to carry workers comp or a private equivalent. It is the business-friendly philosophy gone mad, and it is once again average, hardworking Texans who take the hit.
Regardless, if you are hurt while at work or performing a duty which might be considered within the course and scope of your employment, it is worth your time to consult with an experienced personal injury attorney. In certain circumstances there are opportunities for you to make a claim and recover damages if, for example, you were injured in an auto accident, or if your injuries were caused by a third party not employed by your employer.
To discuss your personal situation with a board certified Texas injury lawyer, call our law firm at 817-294-1900 to find out whether you might be able to make a recovery.