What are the benefits of a third-party injury claim?
After an accident at work, you typically rely on workers’ compensation to cover medical expenses and lost wages. However, this may not always be enough. If another party, such as an equipment manufacturer or contractor, is at fault for your injury, you can file a third-party claim and potentially gain the following advantages.
Maximize compensation
One of the biggest benefits of a third-party claim is the potential for maximum compensation for injury victims. Workers’ compensation typically covers medical expenses and lost wages, but it often does not include pain and suffering. A third-party claim allows you to seek additional compensation for emotional distress, pain and other losses, providing added financial relief.
Expand range of liabilities
Third-party claims allow you to hold someone other than your employer accountable, giving you a wider range of options. For instance, if a defective product caused your injury, you may seek compensation from the manufacturer. This is where the liability of third parties becomes crucial. It allows you to seek justice from the responsible party and bring those at fault.
Preserve workers’ compensation benefits
Filing a third-party claim does not affect your workers’ compensation benefits. You can file both claims at the same time, potentially allowing you to recover the amount you really need for a full recovery.
Promote accountability
A third-party claim holds the party responsible accountable for their actions. If a contractor, manufacturer or property owner causes the injury, they may be more likely to improve safety standards or practices to prevent future accidents. This helps prevent others from being harmed in similar ways.
When you pursue a third-party claim, you not only potentially gain access to additional compensation but also help drive accountability, ultimately encouraging improved and safer practices from those involved.
