What Happens if Your Employer Doesn’t Have a Workers’ Compensation Insurance Policy in Place
Claims related to workplace accidents and injuries are typically handled through Workers’ Compensation Insurance and the State Board of Workers’ Compensation (also known as The Board) rather than through the our state’s court system. Our state created The Board to handle and litigate Workers’ Compensation to protect both employers and employees. First, this system protects employers from the threat of lawsuits while giving employees efficient access to the medical resources needed to recover from his/her injuries, offset any loss of income, and resume their employment as soon as possible. Lawsuits can be complex, time-consuming, and expensive processes that make it difficult for employees to secure the compensation and medical care that they need. Workers’ Compensation makes the process more efficient and supports the interests of workers and employers. It also prevents employees from filing legal actions against their employers. Thus, it’s important to understand your legal rights when it comes to workplace injuries so that you get the compensation you deserve.
Though some exceptions apply, any Georgia business employing three (3) or more persons must provide Workers’ Compensation Insurance to its employees. Businesses that fail to provide Workers’ Compensation Insurance can face civil and criminal charges. Likewise, their failure to carry workers’ compensation insurance means that you may have the right to sue your employer directly in the regular court system. Additionally, employers may be required to pay an additional 10 percent to injured employees if they’ve failed to provide Workers’ Compensation Insurance. Despite the time, money, and resources required to pursue a Workers’ Compensation claim against an uninsured employer in the regular court system, it may be the best option for recovering your losses and holding an employer accountable for your injuries.
Additionally, the compensation you receive through a claim against an uninsured employer in the regular court system may be much higher than those you might have received through the state’s Workers’ Compensation system. Thus, it is in your best interest to work with a Workers’ Compensation attorney and take the right legal action against an employer who has failed to provide Workers’ Compensation Insurance. Your Workers’ Compensation lawyer will help you determine the best strategy for your case. You will understand the process related to filing a claim with The Board as opposed to filing a lawsuit against your employer in the regular court system. The right legal strategy will give you the compensation you need to recover from your injuries, restore your quality of life, and protect the financial well-being of you and your family.
Again, trying to understand and decipher all this information along with having an injury can be overwhelming. Thus, we here at The Larrison Law Firm want to extend a hand in guiding you through this process. My staff and I would be happy to setup a free consultation to discuss the details of your individual case and needs.
Your Health Comes First
At our law firm, nothing is more important than your health and well-being. After an accident that causes serious injury, it is important that you get the medical attention you need to recover. Do not put off seeking treatment after an accident. As you begin your recovery, we will assess your situation and review your insurance policy to determine if MedPay can cover some or all of your medical expenses. If it does not, we will help you determine your options.
Never Settling Until You Are Ready
At our law firm, we are focused on doing what is right for you. We will never push you into a resolution that you are not comfortable with or recommend that you settle your case before you are ready. We want what is best for you and will do everything in our power to achieve it.
At Our Firm, Your First Consultation Is Free
We would like to speak with you about your injuries. Schedule a free consultation with one of our experienced attorneys by calling 770-554-8100. You may also get in touch with us online.