When you are injured on-the-job in Florida – as thousands of workers are – you most likely will be entitled to compensation for medical bills, a portion of lost wages, retraining and perhaps a lump sum disability payout from your workers’ compensation insurer. The good thing about workers’ compensation is that it is part of a no-fault system, meaning you don’t have to prove your employer did anything wrong or that you did not. Instead, one need only prove the injury occurred in the course of and arose from the scope of one’s employment. The trade-off is: It doesn’t cover everything.
The exclusive remedy provision of workers’ compensation law stipulates it’s your only recourse against an employer. If you are left seriously injured or permanently disabled, it’s important to discuss with a South Florida injury attorney whether any third parties were negligent and, if so, whether they could be held liable to pay additional compensation.
Construction workers, who tend to have a higher-than-average rate of injury, often have grounds for third-party liability claims because frequently, there are many different entities involved with various responsibilities pertaining to safety. If your co-worker makes a mistake that results in your injury, you probably won’t have grounds to pursue anything additional there. However, if a property owner, general contractor, subcontractor, tool manufacturer or some other party fails in exercising a duty of care owed to workers on site, you might have a third-party claim. Also, if your employer did NOT have workers’ compensation insurance as required by law, you should be able to pursue an injury lawsuit against them as well. Continue reading