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How to Determine Whether or Not Your Employer Purchased Workers’ Compensation Insurance
Texas, unlike most other states, does not make it mandatory for employers to purchase, or “subscribe” to, workers’ compensation insurance. The manner in which you pursue litigation regarding an oil industry accident depends on whether the employer subscribed to workers’ comp, or was a workers’ comp “non-subscriber” and did not purchase the insurance. The way you go about trying to obtain compensation in the event of an oil industry injury varies greatly depending on which description fits the employer in question, and the reasons why will be detailed later in this article. More information our San Antonio Workers Comp Lawyer here
It can be oftentimes difficult to determine whether or not an employer is a subscriber to workers’ comp. Many employers, after an accident occurs that results in an injury to a worker will claim it is a subscriber in order to keep from being the subject of a lawsuit filed by either an injured worker or the family member of a worker wrongfully killed in an accident. The opposite can be true as well. Some companies will feign not having workers’ comp insurance when, in fact, they really do. They do so because they are trying to avoid seeing their premiums raised after an accident. More information our San Antonio Work Injury Lawyer here The oilfield accident attorneys with our Law Office have been practicing personal injury law and wrongful death law for the last two decades. During that time, we have seen many instances where companies have attempted this kind of blatant deception. No matter what the employer chooses to tell you, we know how to correctly determine the status of a company’s worker’s compensation insurance. We can help you, no matter if the company was a subscriber or a non-subscriber.
Benefits of Workers’ Compensation Insurance
When an employer purchases workers’ compensation insurance, it buys more than just insurance; it also purchases protection against legal action taken by employees who are injured on the job. If an employer has legitimate workers’ comp coverage, then an injured employee cannot sue that company. That employee must file an insurance claim through the correct channels through his or her workers’ compensation insurance provider.
There are many instances, however, where an insurance carrier’s idea of fair compensation for lost wages, pain and suffering, and medical expenses is one that does not come close to adequately compensating an injury victim for the actual expenses that have been accumulated by that victim. But because our oilfield accident lawyers have been dealing with this type of litigation for 20 years, we know that there can often be other liable parties other than the employer in an oil industry accident. Other potentially responsible parties include the owner of the property where the oil is being drilled; the person who owns the oil rig or oil platform, and the vendors responsible for providing any potentially faulty machinery (such as the steel lingers that are inserted into earthen tunnels that have been drilled). Either one or a combination of more than one, of these parties can be found to have either negligently contributed to an oil industry injury or to have caused it outright through negligence. It is very commonplace for more than one party to have played some kind of role in an oilfield accident, and the lawyers with our Law Office have extensive experience in investigating accident scenes in order to identify all the parties that are liable.
You might be 100 percent sure that your employer subscribed to workers’ compensation insurance, but it can still be worth your time to call us for a confidential and free consultation. We can tell you whether or not the employer’s workers’ comp policy is sufficiently meeting your needs, and whether or not there may be another party or parties that you can take legal action against in order to try and obtain fair compensation.
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