Third Party vs Workers' Compensation Claims in Montgomery

While workers’ compensation insurance does cover medical bills and some lost income for on-the-job injuries for employees in Alabama, it is not full compensation. Unfortunately, even if an employer was negligent and caused the injury, you cannot sue your employer in a personal injury lawsuit. However, in many cases, there may be options to pursue compensation through a third-party injury claim that can help cover the costs and damages associated with a work-related injury in Montgomery.

Examples of Third-Party Injury Accident Lawsuits

When a work accident occurs, it may be caused by another entity, but still covered by workers’ compensation. For example, if you deliver goods for your employer, you could be injured in a vehicle accident while performing your job. Because you were at work, your injuries will be covered under workers’ comp if your employer has this insurance. However, if another driver caused the accident, you may also pursue a third-party claim against them to help cover the costs of your injury. Possible liable third-parties in work accidents can include:

• Accidents caused by contractors
• At-fault drivers in vehicle accidents
• Manufacturers of defective products
• Premises liability claims against other businesses

There are many circumstances when a third party may be liable for your injury. This can be beneficial as you can receive your workers’ compensation benefits and pursue a separate claim against the third-party. These claims can be worth substantially more than the compensation you can receive through workers’ comp alone, helping you minimize the impact of your injury on your family and lifestyle.

If you were injured at work and you believe you may have a third-party injury claim on top of your workers’ compensation, contact the Law Office of Dwayne L. Brown
in Montgomery, AL. We offer a free consultation to discuss your claim. If we handle your third-party injury lawsuit, you can expect personalized attention and our diligence in obtaining the best results in your case.