In most construction accident cases, there are two potential legal options available.
File a Workers’ Compensation Claim
Workers’ compensation is a type of insurance that provides benefits to employees who experience work-related injuries or illnesses.
Unlike in all other states, workers’ compensation insurance is not mandatory in Texas for private employers, but many choose to take a policy for the protection it requires; otherwise, if the employer was negligent, they may be liable for substantial compensation in a personal injury claim. For Texas’s worker’s compensation statute to cover your injury, the injury or illness must have been “sustained in the course and scope of employment.”
In other words, you must have been injured while working on the job. The workers’ compensation statute covers most physical injuries, such as broken bones and burns. Typically, workers’ comp will not cover injuries from an employee’s willful criminal acts or alcohol or drug use.
Under Texas’s workers’ compensation statute, employees can recover the following benefits:
- Income benefits (or wage-loss benefits): These benefits are equal to a percentage of the average weekly wages that an employee loses because of temporary or permanent illness or injury. Workers’ compensation insurance programs calculate the wage-loss benefits based on an employee’s injury or illness and how much time they have missed work due to the injury or illness. The workers’ compensation statute caps the total amount of wage-loss benefits.
- Medical benefits: These benefits cover the necessary medical care required to treat an employee’s work-related injury or illness.
- Rehabilitation benefits: These benefits cover expenses connected with an employee finding alternative employment.
- Death benefits: These benefits are equal to 75 percent of an employee’s average weekly wage, which is paid to legal beneficiaries. Additionally, these benefits cover up to $10,000 in burial expenses.
If a construction accident injures you and your employer carries worker’s compensation insurance, there are specific steps you must follow to file a workers’ compensation claim. First, you must seek medical treatment as soon as possible. You also must report your accident in writing to your employer within 30 days from the date you sustained or discovered your injury. Once you complete these steps, you have one year to file a completed Employee’s Claim for Compensation for a Work-Related Injury or Occupational Disease form with the Texas Department of Insurance (TDOI).
The completed forms can be mailed to TDOI or filed online. Once you complete the form and submit it to the TDOI, the company’s insurer will evaluate the claim and decide whether to pay or deny your claim. If the TDOI denies your claim, you can appeal the decision.
File a Third-Party Lawsuit
If you suffer a workplace illness or injury and your employer does not carry workers’ compensation insurance, you can file a personal injury claim against your employer and any other third parties that may have caused your injury. For example, if a defective power tool injures you, you can potentially bring a personal injury suit against your employer and the manufacturer and supplier of the power tool.
To win a personal injury lawsuit, you generally have to prove that your employer and/or other third parties were negligent. To prove negligence, a claimant must show that their employer or related third party owed a duty of care, (b) the employer or third party breached that duty of care, and (c) the breach caused the claimant’s injuries.
Filing a lawsuit can be an overwhelming process. A licensed construction accident attorney in San Antonio can help you with every step of the process, from assessing your damages and negotiating a settlement to filing the required paperwork in court and gathering evidence to support your case.