The employer is ultimately responsible for your work
injury claim, but most employers have workers compensation or liability
insurance and these companies will ultimately share the burden with the
employer. One of the biggest problems that employees have when make in
work injury claims is that they fear repercussions from their boss or
employer.
This is always been a big problem in the area of work related injuries.
Some employees really like their employers and no matter how bad the
injury or pain that they feel on a regular basis, they would never even
think of suing these wonderful people. These people have provided them
with jobs and job related perks for quite some time now. The last thing
that you're going to want to do, to these people whom you have grown to
trust and develop friendships with, is penalized them for your problems.
Here's how it works, you file a claim against your employer, they
contact their insurance company and the insurance company will usually
handle it from there. If you're employer is only insured for $1 million
and you're suing them for $3 million, the insurance company will only
pay $1 million and the employer will have to come up with the other $2
million, if you win in court.
It's a little more complicated than this, but rest assured, the money
that you are seeking is going to cost your employer a small fortune as
his insurance costs rise in the future. |
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