One of the particular benefits of the workers’ compensation system is that it provides medical care and a portion of your lost wages regardless of who was at fault for the accident. So, you do not have to wait for an investigation to determine whether you may receive these benefits.
However, if you suffer an injury on the job because someone outside the company acted negligently, you may be able to hold that person liable even while you are receiving your workers’ compensation benefits. We often help people file third party claims after a work accident.
Faulty products
Many work accidents occur because of equipment malfunctions. While your company is responsible for providing you with safe equipment, the manufacturer is responsible for design and manufacturing defects that lead to injuries.
For example, the design of an electric drill could create a risk of overheating that leads to electric shock or fire. The company that produced the drill could be liable for your burn injuries, including skin grafts, rehabilitation, pain and suffering, and scarring and disfigurement damages.
Negligent drivers
If your job puts you out on the roadways as a part of your duties, a careless, reckless or negligent driver may injure you. Your employer’s workers’ compensation insurance covers medical expenses, but the driver of the vehicle that struck you is still liable. Motorists who speed through work zones, use electronic devices while driving or drive under the influence may also have to pay punitive damages in addition to compensating you for your injuries.
More information about on-the-job accidents involving third parties is available on our webpage.