Workers’ Compensation Versus Third-Party Work Injury Claims in Ohio
According to the Ohio Bureau of Workers’ Compensation, any business that employs at least one person in the state is required to carry workers’ compensation insurance.
To be eligible for benefits after a construction accident, an employee needs to be able to prove a relationship with their employer and show the injury was in the course of employment and arose out of the employment. This means that the injury happened on the job and was caused by a risk or hazard directly related to employment. An injured employee also has to prove the injury was accidental in character, meaning the employee was following workplace protocol when their accident happened.
On average, workers’ compensation benefits are equal to 66.67% of the workers’ average weekly wages, within the state maximum and minimum. That amount changes on an annual basis. Unfortunately, workers’ compensation benefits don’t always cover all your losses and expenses. If that’s the case, you’ll want to speak with a lawyer to determine if your situation warrants a third-party construction accident claim.
In the event a third party, which includes individuals or businesses other than your employer, is responsible for or contributes to your construction accident, you can take legal action to hold them financially liable for your injuries.
Examples of construction accidents involving potential third-party liability include the following:
- A transportation accident resulting from a defective equipment or vehicle part
- A work-related burn injury or electrocution caused by a negligent subcontractor who installed improper or faulty wiring
- A scaffolding accident caused by improperly built equipment
- A work-related car accident caused by another driver
- A loss of limb caused by defective machinery
Your lawyer can help you determine what the best way for you to seek compensation is, so you receive the funds you need to recover and move past your accident. If you decide to file a third-party work injury claim, we’ll guide you through the personal injury claims process and help you build a claim that proves you were wronged.
It’s important to note that while most personal injury claims settle through negotiations, there is the possibility your case could go to trial if the opposing party is unwilling to offer a fair settlement. If that’s the case, we’ll remain by your side and help you achieve the monetary award you deserve through a verdict from a judge or jury.