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Does Workers’ Comp Fully Cover Your Injury?

If you work in construction, you are obviously at a greater risk for serious injury or accidental death than an office worker. Ladders, scaffolding, power tools, open foundations and heavy equipment all contribute to a dangerous environment.

If you have been injured in a construction site accident, you are entitled to a workers’ compensation claim. Workers’ comp, however, may not fully cover the costs of your accident. A skilled lawyer can help you explore all of your claim options.

Are You Entitled To A Second Claim?

Because of the nature of construction sites, injury victims often are entitled to a second claim in addition to workers’ comp. A third-party claim for a workplace injury comes into play when someone other than your immediate employer is partially or wholly responsible for your accident. Examples of situations where a construction accident injury may entitle you to a second claim involve the following factors:

  • If the construction accident was caused by a poorly designed or defective tool or equipment, you may have a product liability claim against the manufacturer or distributor of the product.
  • If your injury was the result of negligence of a general contractor or a different subcontractor, you may have a claim against that person or business.
  • If your injury was either partly or entirely due to poorly maintained premises (for instance debris had not been removed promptly), you may have a premises liability claim against the property owner or manager.
  • If your injury involved a delivery truck or other vehicle, several insurance policies may cover your loss.

Recovery from a back injury, head injury or electrocution may never be complete, or it may result in increased disability later in life. If you want to make sure you have investigated all sources of money you will need to care for yourself and your family, call Rogan & Associates LLC at 201-342-6404 or email us. We offer free, one-on-one consultations with an attorney.

We serve New York City, Hackensack and the surrounding areas of New Jersey.