Worker’s compensation lawsuits: Tell me more.

What do we actually know about Worker’s compensation? Let’s talk about it.

Worker’s compensation (WC), as we know it, is the branch of insurance that indemnifies employees after being involved in an incident that has taken place while performing job-related tasks at the employee’s formal workplace. These compensations will reimburse damages, medical treatments, and other expenses related to said incident. Worker’s compensation insurance policies contain multiple clauses and small letters that closely relate to the exceptional cases that can take place regarding a worker’s comp claim. 

In this opportunity, we’ll address the elephant in the room: WC lawsuits. In some exceptions, workers will be able to file lawsuits against their employers. In cases where there has been negligence, carelesness, and/or intention from the employer’s part, these lawsuits can be filed if there wasn’t enough compenstion from the claim alone, if the employer’s policy did not suffice the occurence, or if the incident was intentional. Although in most cases WC incidents are resolved through claims, lawsuits are certainly not black & white, and this translates into ‘pros & cons’ of filling a WC lawsuit.

The most outstanding pro of a WC lawsuit is that through a it, employees are able to get more compensation rather than through claims alone, on the other hand, the downside of filing a lawsuit is the time, money, and effort that requires upkeeping the legal process of the lawsuit. From lawyers to court visits, enduring in this process will take months or years to get finalized due to the complexity of the legal system. In most cases, if an appropiate WC policy is set, there is no lawsuit that could be filed in the first place, additionally, WC claims would take a few weeks to process in comparison to the aforemantioned lawsuit process.

Thankfully, in Griffth Insurance, we would explain to you the hues and details that a WC policy includes. If you are in need of quality services, we are ready to take your call! Contact us now!