What Can You Do If Your Company Didn’t Buy Workers’ Compensation Insurance (and Should Have), and Then You Got Hurt on the Job

When you are injured on the job, you expect your employer to cover ensuing medical bills and loss of wages. Unfortunately, many businesses lack workers’ compensation insurance and are therefore unable to provide injured workers the remuneration they deserve.

Dealing with a complete lack of compensation in the aftermath of a workplace accident? Unfortunately, your options are limited, as detailed below:

No Lawsuits

In general, workers’ compensation is the sole remedy for employees injured on the job. Except under extreme circumstances, injured workers cannot sue their employers, even if they fail to obtain proper insurance coverage. However, there are rare cases in which an incident occurring on a company’s premises can be classified as personal injury. Consult a qualified attorney to determine how your injury is defined and whether litigation is possible.

Request a Hearing with the State Board

Georgia employers are legally required to obtain workers’ compensation insurance. If they fail to do so, they may still be required to cover medical costs and other expenses. Your best bet as an injured employee might be to file a claim with Georgia’s State Board of Workers’ Compensation.

A skilled attorney can help you gather proof of your injury, how it impacts your daily life, and whether it occurred as a result of a workplace accident or due to the strain of your daily job-related activities. Depending on the intricacies of your case and your lawyer’s skill, you could secure coverage for health care costs, wage loss, and even a ten percent increase in payment as punishment. Additionally, your employer may be assessed a civil penalty of up to $1,000 per uninsured employee, along with criminal fines or even imprisonment.

Not sure how to handle your Georgia workers’ compensation case? Contact Smith, Wallis and Scott, LLP today to schedule a consultation.

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