When you’ve been hurt in an on-the-job accident, you need a lawyer to help you collect compensation to help pay for medical care and other costs related to your injury. Depending on the circumstances of your accident, these funds can come from either personal injury settlements or workers’ compensation settlements. There are important differences in the ways that these two sources can pay out rewards to injured parties. At Allwin E. Horn, IV, P.C., we can help you to understand these two different monetary awards and can craft a plan to pursue a single or combined award that best meets your needs and reflects the circumstances of your accident.
- Workers’ compensation. This is a state-run insurance program that pays Alabama workers for injuries sustained on the job. Workers’ comp provides an award up to a certain limit and for a defined amount of time depending on the nature and extent of your injuries. The insurance is intended to help pay for medical care, lost wages, disability, and job training if needed, and can be paid in a lump sum or over time. The decision regarding how much to pay for each claim comes from your employers’ insurance company. Fault plays no role in workers’ compensation. In most cases, you are eligible to be compensated for injuries sustained at your workplace even if you are partially or totally responsible for the accident.
- Personal injury claim. If a third party unrelated to your employer was partially responsible for your accident, you may be able to file a separate lawsuit to seek compensation for your injuries. This can be beneficial to injured workers because personal injury settlements allow payments for pain and suffering, mental anguish, and future lost wages. In addition, there is no defined limit to how much you can be awarded for such a claim. In the case of personal injury claims, a jury will decide how much your case is worth.
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