Workers Compensation coverage is a no fault system. This means that regardless of who is to blame for the accident, the workers compensation insurance carrier should cover your claim. You do not have to prove negligence in a workers compensation claim. As long as you were injured in the course and scope of employment, a claim can be filed.
Workers compensation covers traumatic injuries, as well as occupational diseases. There are many ways an injury occurs while on the job. You may sustain an injury while lifting a heavy item, a foreign object may have fallen on you, or maybe you were involved in a motor vehicle accident while operating a company vehicle. Regardless of how you got hurt, as long as you were injured while on the job, the workers compensation insurance carrier should cover your claim. Furthermore, workers compensation also covers occupational diseases. For example, if you worked as a cashier for several years and developed carpal tunnel syndrome as a result of having to scan products and use a computer daily, you too can file a workers compensation claim.
If you have any questions regarding whether your injury would be covered, please feel free to call us!