Personal Injury And Workers' Compensation Claims: Comparison And Contrast

If you have landed in the emergency room with an injury, it may not matter to you, your doctors and your family how it happened — all are focused on helping you get better. Whether it was a workplace injury or not, your physical and emotional recovery make up the most important goals in the aftermath of an accident.

But the process of pursuing compensation for your injuries is quite another story. The paperwork and legal processes will differ greatly based on:

  • Whether you were injured on the job or in your private life
  • Whether a third party (not your employer) was involved in a workplace injury
  • Whether your injury will heal completely or leave you with disabilities

The Germeroth Law Firm, LLC, in St. Louis, Missouri, is available to help you recover maximum available compensation from all relevant resources, including your employer's workers' compensation insurer, if applicable.

Workers' Compensation For Workplace Accidents

If you were injured at work, you should file a workers' compensation claim. To ensure that you receive all compensation you are eligible for, consult with an attorney. A worker'' compensation claim is not a lawsuit against your employer. Rather, it is a claim against an insurer. This option applies if your employer has been paying premiums on your behalf, as with most employees.

Personal Injury Claims For Accidents Outside Of Work

If you were injured in a car or truck accident, a slip-and-fall accident or any incident or circumstance occurring in your life outside of work, you may have a viable personal injury claim. Your personal injury lawyer can determine who was liable — another driver, a property owner or a manufacturer, for example — and prepare to file an injury claim against that party. The responsible person or company may pay you or their insurance policies may cover your injury. Your own car and/or homeowner's insurance may also be sources of compensation in some cases.

Third-Party Liability Claims For On-The-Job Injuries Involving Other Liable Parties (Not The Injured Person's Employer)

If you were injured on the job and a third party (someone other than your employer) was at least partially responsible, you may be able to file both types of injury claims. Your workers' compensation benefits can be vital, but a third-party liability claim may bring even greater financial relief.

Workers' compensation benefits can help you get through the immediate aftermath of a job-related injury, when you are missing out on your usual salary. Workers' compensation may pay your doctors directly and provide you with monetary relief while you are unable to work.

In the long run, however, a third-party liability claim may help you may recover more compensation for pain and suffering. This is one of the biggest differences between personal injury law and workers' compensation.

Get The Legal Advice You Need After Any Accidental Injury

Call 314-669-7090 or send an email message to schedule a free initial consultation after a workplace injury, an injury outside of work, or an on-the-job injury involving a third party.