When you or a loved one have been injured on the job, workers’ compensation can be an invaluable resource. It’s a type of insurance provided by employers that covers your lost wages, medical expenses, and more. In return, you agree not to sue them.
The administrative work needed to file a successful claim can be stressful — in fact, without an experienced lawyer’s help, many people don’t get enough compensation to cover the costs. So if a third party is connected to the injury, it gets even more complicated. Here is everything to know about third-party liability and workers’ compensation.
What is Third-Party Liability?
Sometimes people are injured on the job, and it’s the fault of someone who is not connected to their employer. These are some examples of what I’ve seen throughout my 30+ years as a workers compensation lawyer Memphis TN has turned to.
Car Accident on the Job
A good example here would be if a delivery truck driver is driving down the street and has an accident with another vehicle. The other driver caused the accident, and the driver was injured.
Property Owner Negligence
People who work on property not owned or managed by their employer could potentially sue a third party if they are hurt due to dangerous conditions.
Sometimes referred to as a product liability lawsuit, this is when an employee can file a lawsuit against the manufacturer of a defective product responsible for the injury. Say a person needs to use a saw as part of his job. If the manufacturer somehow leaves off an important safety device, and the worker is injured because of it, he could have a third-party liability case.
Winning a Third-Party Lawsuit
To win a third-party lawsuit, you must prove negligence. In other words, the third party must have done something wrong or failed to do something that caused your injuries. As part of the process, you must show that the third party created a situation that led to your illness or injury.
When a case is finally concluded against the third party, your workers’ compensation insurance carrier could be entitled to recover money from the third party as well.
Talk to a Workers Compensation Lawyer Memphis TN Trusts
Our firm has always stood by our clients who are facing hard, stressful times. Work-related injuries and illnesses are one of those times. The additional paperwork and legal experience needed to file a successful workers’ compensation claim only adds to the stress, and when a third party is involved, it’s even more complicated.
With an experienced lawyer on your side, you are much more likely to get the compensation you deserve. Our lawyers are dedicated to making sure you get it.
If you or a loved one have been injured on the job, call (901) 327-2100 or contact us here today.