When you’ve been hurt on the job, particularly in an accident that occurred at your worksite, you might have many avenues available to you in order to recover compensation, such as New Jersey workers’ comp benefits or filing a lawsuit against a negligent party through a court of law.
However, the most common method of compensating employees for their injuries on the job is through employers’ liability insurance, also known as the “blue book” policy. In this kind of insurance policy, employers will compensate for injuries to workers caused by the negligence or carelessness of their company, either on a contractual basis, where the company has agreed to cover their workers’ medical expenses and lost wages.
For example, if an employee slips and falls while working and suffers a serious injury, their company might have to pay for his hospital bills and treatment, or even provide him with the means to pay for these costs. If, however, they are not covered under their contract, their company will have to shoulder these costs.
Employers’ liability insurance, or even an existing policy that doesn’t yet apply, can be an asset when it comes to compensating workers for their injuries on the job. As discussed, the benefits offered by this type of insurance coverage are quite high and often offer an amount that is equivalent to or greater than what would likely be offered by traditional workers’ compensation insurance plans.
Employers’ liability insurance covers all types of accidents, from minor accidents like broken equipment to the worst kinds of workplace accidents, like serious injuries resulting from falls and crushing.
These types of injuries can result from the negligence of the company, which can easily be mitigated by settling the claim out of court with the injured employee’s insurance carrier or through negotiations with the company itself. There are many other reasons why workers should consider obtaining employers’ insurance policy from their employers’ insurers; however, one of the biggest reasons is the “blue book” feature.
In essence, this feature will allow an injured employee to obtain the same benefits that would be offered to a self-employed individual or even by a government agency, but without having to worry about filing for a separate lawsuit and paying all of the benefits required from the government.
Many employers, in addition to the Blue Book benefit, will also offer workers’ comp benefits through a form of workers’ comp, which is referred to as workers’ liability insurance. Worker’s comp insurance, unlike employers’ liability insurance, doesn’t cover all types of claims related to accidents on the job.
For example, many types of work-related injuries don’t include any injury benefits whatsoever. In some instances, workers comp may only cover the medical bills that a worker would incur after being hurt on the job. While other types of workers’ comp will pay for the medical expenses of a worker who was injured at his or her place of employment and who works for a different employer.
Some other types of claims that don’t qualify for employers’ insurance may require filing a lawsuit in a court of law, such as a lawsuit that has been filed against the company directly in order to receive compensation for workplace accidents.
In some cases, a lawsuit may also be required in order to receive workers’ comp benefits, if the injury is the result of someone else’s negligence, or if the claim requires that a personal injury attorney be hired to represent you in court.
It is important to note, however, that in order to file a lawsuit against a company through the company itself, that you should first consult with an attorney and to also check the state’s Workers’ Comp Lawyer Registry. When a worker is injured while at work, the first thing that he or she should do is speak with a Workers Comp attorney who will determine whether or not they have a case to take.
In many cases, it can be difficult to determine whether or not a worker is eligible for workers’ comp benefits, due to the fact that most workers’ compensation claims aren’t resolved right away. Most workers’ compensation claims are often settled out of court through negotiations with the insurance company itself and will require an attorney to represent the worker in the settlement negotiations. For more important details and pointers on accidents at work, please set aside the time to visit attorneyatlawmagazine asap!