If you work in construction, you know how dangerous the job can be. That is why Tennessee law requires most employers in construction and trade industries to carry workers’ compensation insurance.
This type of insurance coverage allows you to receive needed benefits if you experience a work-related injury. You may be eligible for WC regardless of who was at fault. However, if an individual or company other than your employer or a coworker contributed to your injury, you should consider filing a personal injury claim in addition to filing for workers’ comp.
Who counts as a third party?
Whether you are part of a small or large business, you likely work with people from many different companies or interact with members of the public while on the job. You might also handle specialized equipment. Machine and tool manufacturers and individuals who do not work for your company are examples of third parties whose negligence could cause injury.
Other examples of other third parties who may be responsible for a construction injury include:
- General contractors who do not follow safety procedures
- Subcontractors who perform faulty work
- Property owners who fail to maintain safe premises
- Civilian drivers who cause a collision while you are operating a company vehicle
Why file a third-party injury claim?
If your injury was severe, you may have to undergo extensive surgeries and other treatments. You could face a long recovery or even a permanent disability that prevents you from doing the work you have trained for.
While workers’ comp benefits can offer essential coverage for medical bills and a portion of lost wages, WC alone might not be enough. Filing a personal injury claim may help you receive the full compensation you need to recover both physically and financially.