Third-party insurance coverage is different than what individuals buy for their healthcare or car. This coverage is usually purchased by an individual or entity, but it is meant to protect against a lawsuit, like workers compensation or malpractice insurance. You may be wondering how understanding third-party insurance can help you, but sometimes what you don’t know can actually hurt you.
Some important facts about third-party insurance
There are some things that everyone should know about this type of coverage before an accident happens.
- Whether it is third-party insurance for vehicles or work accidents, there is a limit for coverage. If you are planning on filing a personal injury claim, it will be important to know that limit, if insurance coverage is available at all.
- When someone gets hurt on someone else’s property, they may be able to get compensation for their injuries. If the property owner is hurt as a result of trying to help them, the injured will not be responsible, but neither will the insurance company.
- Sometimes, even if you are not at fault for a car accident, you may still be held liable. This is why liability insurance is important. Also, you could be held partially responsible for a car wreck in Texas, which can reduce your compensation in a claim or lawsuit.
- For work injuries, even if the injured party receives compensation from workers comp or a personal injury lawsuit, they can still file a third-party insurance claim.
- Employers are not required to have workers compensation insurance. This means that if you are injured at work, you may not get help unless you file a lawsuit or third-party insurance claim, if applicable.
Workers compensation and third-party insurance in Texas
When a worker is hurt on-the-job, they have a few options to seek compensation. Workers comp, if available, can help cover medical bills and lost wages. Filing a lawsuit with a personal injury lawyer may also an option. But, if a third-party was responsible for your injuries, you can file a claim or suit against them.
Typically, third-party liability is not assigned to employers or coworkers. It is reserved for anyone else that may have caused a workplace injury including:
- Equipment manufacturers
- Clients that an employee is visiting
- Commercial drivers and drivers at the workplace
- Trucking companies
One example of a third-party liability case is if you are injured by a truck driver who has been drinking while on the road for your job. In this type of accident, you may be able to recover workers comp, as well as a third-party insurance settlement from the trucker and the trucking company. This is beneficial because workers comp may not cover all your expenses and it will not cover mental repercussions, punitive damages, or pain and suffering. Filing a third-party claim or personal injury lawsuit can help you get compensation for all these damages.
Proving third-party negligence
A personal injury lawyer can help you file a claim or lawsuit against a third-party. You will need to show duty of care, breach of that responsibility, cause, and proof of your injuries to be successful. Sometimes just showing that there was a defect in an item can help you win your case, especially against manufacturers.
A personal injury lawyer can help you in many ways, besides just representing you in court. They will be able to gather all the necessary documents and reports and organize them for your case. These professionals understand the laws and complications related to your particular type of accident. They know how to fight against insurance companies when they try to minimize your injuries, experience, and pain.
Do you need the help of an experienced personal injury lawyer?
For more information about filing a claim or lawsuit after an accident, contact Attorney Dean Boyd and his caring team. You can call us at (806) 242-3333 or Send Us an Email to learn more about Our Services. You can also visit our offices at 4423 SW 45th Ave, in Amarillo, Texas or 5012 50th St #103 in Lubbock, Texas.