When you are injured on the job, your injuries are typically covered by worker's compensation insurance. This coverage provides you with payment for your medical bills and security in your job. This insurance is meant to prevent unnecessary lawsuits against companies when workers are injured on the job. However, there are still some types of injuries that can still result in a lawsuit against a company.
Defective Products It is an employer's responsibility to ensure that its employees are reasonably safe. When a company utilizes products that are found to be defective, the injured employee has the basis for a lawsuit. If the company for which the employee works was unaware of the product defect, the employee may need to sue the manufacturer of the product instead.
Intentional or Careless Acts An employee works a job with the assumption that his employer won't do anything that will put him in harms way. If an employee is injured due to the carelessness of the employer or through an intentional action, a lawsuit is likely to attain the results the employee deserves. These types of injuries are often not covered by worker's compensation insurance, so a lawsuit may be the only way to receive payment when the employer is at fault.
Toxic Substance Injuries Injuries due to exposure to toxic substances are often not covered by worker's compensation policies because of their dangerous nature. However, an employer is still obligated to keep employees as safe as possible. Because of the unique nature of these cases, it is covered under its own area of law called toxic tort law. Through this area of law, injured parties can potentially sue the manufacturers of the substance for their injuries.
Lack of Coverage Even though many employers are required to carry worker's compensation insurance, not all employers do. This creates problems for employees who are injured on the job. If an employee is injured on the job and finds out that the employer does not carry insurance to pay for employee injuries, he should seek the guidance of an attorney who specializes in work injuries. Any time an employee is injured on the job, it is the responsibility of the employer to take care of the injured employee's needs.
When an employee takes a job with an employer, he does so with the impression that he will remain safe on the job. Each employee must take the required precautionary measures to ensure his own safety; however, an employer must also do everything possible. When an employee is injured, he may be able to sue his employer or the manufacturer of the product in some cases. To determine if your situation applies, visit a lawyer who specializes in employee injury law.
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