What to Do if Your Employer Doesn’t Have a Workers’ Compensation Insurance Policy in Place

What to Do if Your Employer Doesn’t Have a Workers’ Compensation Insurance Policy in Place

Workplace injuries impact employees and the businesses they work for. That’s why there are systems in place to protect both parties when accidents arise due to negligence and common safety risks.

But some employers fail to provide workers’ compensation insurance despite their legal requirement to do so under Georgia state law. In other cases, a business may be so small that it doesn’t need to provide workers’ compensation to employees.

The following will guide you if you’ve been injured on the job and your employer doesn’t have a workers’ compensation policy in place.

Workers’ Compensation in Georgia

Personal injury claims related to workplace injuries are typically handled through workers’ compensation insurance rather than through the courts.

Workers’ compensation protects employers from the threat of lawsuits while giving employees access to the resources needed to recover from injuries, offset any loss of income, and resume their employment as soon as possible.

Lawsuits can be complex and expensive processes that make it difficult for employees to secure the compensation they need. Workers’ compensation makes the process more efficient and supports the interests of workers and employers.

It also prevents employees from filing legal actions against their employers. So it’s important to understand your legal rights when it comes to workplace injuries so that you get the compensation you deserve.

When Employers Fail to Provide Workers’ Compensation

Georgia requires any business comprised of three or more employees to provide workers’ compensation. But some businesses fail to carry this insurance despite Georgia state laws.

Businesses that fail to provide workers’ compensation insurance can face civil and criminal charges. It also creates an opportunity for injured workers to file lawsuits in an effort to receive compensation for damages.

In addition to fines and other penalties, employers may be required to pay an additional 10 percent to injured employees if they’ve failed to provide workers’ compensation insurance.

Taking the Right Legal Action to Recover Your Losses

Despite the time, money, and resources required to file a lawsuit, it may be the best option for recovering your losses and holding an employer accountable for your injuries.

In addition, the compensation you receive in a lawsuit may be much higher than those you might have received through a workers’ compensation claim.

So it’s in your best interest to work with a personal injury attorney and take the right legal action against an employer who has failed to provide workers’ compensation insurance.

Workers’ compensation only provides injured workers with a portion of their wage loss alongside full coverage of medical costs.

A personal injury lawsuit entitles you to full compensation for lost wages and medical treatments along with punitive damages and compensation for pain and suffering.

Your personal injury lawyer will help you determine the best strategy for your case. You’ll understand the process related to filing a lawsuit and ensure that you get the maximum compensation coming to you.

Georgia employers are required to carry workers’ compensation insurance. Those who fail to do so may be subject to fines and other penalties. They may be sued by injured employees and forced to pay significantly more in damages as a result.

The right legal strategy will give you the compensation you need to recover from your injuries, restore your quality of life, and protect the financial wellbeing of you and your family.