When you are injured, it can be difficult to know what to do next. You may be scared, confused, and uncertain about where to turn. This guide will provide you with information on workers’ compensation vs personal injury claims so that you can make the best decision for yourself.
If you get hurt on the job, it’s important to know the difference between a workers’ compensation claim and a personal injury claim.
Any business or employer in St. Louis must have workers’ compensation insurance. This is the type of insurance that pays for a worker’s medical bills if they get hurt while working for their boss.
If you get hurt at work, you might be able to get workers’ compensation, but you should know that it’s different from a personal injury claim.
If you get hurt on the job in St. Louis and don’t know if you have a personal injury claim or a workers’ compensation claim, the best thing to do is to talk to St. Louis personal injury attorney as they can help you figure out what to do next to get the money you are owed.
How Workers’ Compensation Is Different from Personal Injury?
There are many ways in which workers’ comp is different from personal injury. First of all, you don’t need to prove that your employer did anything wrong, in order to get workers’ compensation.
To win a personal injury lawsuit, you have to show that the other person was careless and that your injury was caused by their carelessness.
The trade-off for workers’ compensation is that you usually can’t get money for damages that aren’t monetary.
That means that most of the time, you can only get money for things like medical bills and lost wages. You can also get money if you are permanently hurt, like if you become temporarily or permanently disabled.
Can I sue for personal injury if my employer was careless and I got hurt because of it?
The answer is no. If you get hurt on the job, you usually can’t sue your boss for your injuries. The only time this doesn’t apply is if your boss did something really bad, like ignoring safety rules so much that it put workers in danger.
You might also be able to sue your employer for personal injury if you can prove that they did something to hurt you on purpose.
If you got hurt at work but it wasn’t because you were doing your job, you may or may not be able to sue for personal injury. Depending on what happened when you got hurt, you might be able to take them to court to make them pay.
One example would be if you tripped over an uneven tile in the bathroom and fell. Even if you were hurt at work, you might have a case for personal injury if you can show that they knew there was a problem, should have known it could be dangerous and did nothing about it.
If you can also show that you were hurt because of it, you might have a case.
What do you need to prove your workers’ compensation eligibility?
The biggest stipulation to making a claim for workers’ compensation is that you have to prove that your injuries not only happened while you were at work but that they were sustained while you were performing work-related activities.
Therefore, it is not enough to say that you were at work when you were injured. You also have to prove that you were working under the authority of your employer.
What if you were injured at work, but weren’t doing work-related activities?
If you are injured while at work but weren’t performing duties as described under your employment specifications, then you’re likely not eligible to collect workers’ compensation.
But that does not mean that you necessarily have to incur the cost of your injuries. There are times when you still have legal recourse to have your injuries covered.
If you are injured at work – even if you weren’t performing under the scope of your work duties – and you can prove that someone or something else was negligent, then you might be eligible to sue for personal injury.
To do so, you have to show that someone was negligent and that it was their negligence that led to your injuries.
When it comes to workers’ compensation and personal injury claims, there are a few things to keep in mind.
Workers’ compensation is a type of insurance that provides benefits to employees who become injured or ill at work. This type of coverage is mandatory in most states and can help pay for medical expenses, lost wages, and other related costs.
Personal Injury claims, on the other hand, are claims filed by individuals who have been hurt as a result of another person’s negligence. While workers’ compensation benefits often provide financial relief after an accident, personal injury claims can seek damages such as money for medical expenses, pain and suffering, loss of income, and more.
Keep these differences in mind if you’re considering filing a workers’ comp or personal injury claim.