Construction site accidents can be life-altering events. The toll these accidents take on victims and their families is immense, and understanding your legal options is crucial for seeking the compensation you deserve. In this blog post, we'll explore the differences between workers' compensation claims and personal injury lawsuits, so you have the information you need to make informed decisions in pursuit of justice.
Workers' Compensation Claims
Workers' compensation is an insurance system that provides benefits to employees who are injured on the job. In New York, workers' compensation is a no-fault system, meaning that you can receive benefits even if the accident was partly your fault.
Here's what you need to know about workers' compensation:
No Need to Prove Fault: With workers' compensation, you don't need to establish negligence. As long as your injury occurred while performing your job, you are generally eligible for benefits.
Covered Benefits: Workers' compensation typically covers medical expenses, a portion of your lost wages, rehabilitation costs, and, in some cases, permanent disability benefits.
Limits on Compensation: While workers' compensation provides essential support, it may not fully compensate you for all the damages you've suffered. There are limits on the benefits you can receive.
Exclusivity: When you accept workers' compensation benefits, you waive the right to sue your employer for the injury in most cases.
Personal Injury Lawsuits
On the other hand, filing a lawsuit allows you to seek compensation beyond the scope of workers' compensation. Lawsuits can be filed against third parties who may be responsible for your construction site accident.
Here are the key points you should know about these actions:
Establishing Negligence: In a lawsuit, you must prove that a third party, such as an equipment manufacturer, contractor, or property owner, contributed to your injury.
Full Compensation: Unlike workers' compensation claims, a successful lawsuit can result in a more extensive range of compensation, including pain and suffering, emotional distress, and punitive damages.
Multiple Parties: In some cases, there may be multiple parties at fault, which can increase the potential sources of compensation.
Complex Process: Lawsuits can be more complex and time-consuming than workers' compensation claims, requiring skilled legal representation.
Choosing the Right Path
Determining whether to pursue workers' compensation or a lawsuit depends on the unique circumstances of your construction site accident. Here's how to make an informed decision:
Seek Legal Advice: Consult an experienced personal injury attorney who can evaluate your case and help you understand your options.
Consider the Full Picture: Consider the extent of your injuries, the financial impact on your life, and the parties involved in the accident.
Timely Action: Be aware that there are strict time limits for filing both, so it's essential to act promptly.
Balancing Benefits: Weigh the benefits of workers' compensation against the potential for greater compensation through a lawsuit.
Construction site accidents can leave workers with serious injuries and emotional distress. In New York, understanding the differences between workers' compensation claims and personal injury lawsuits is essential for making the right decisions during such a stressful time.
Speak with a New York Construction Accident Attorney
At Leitner Varughese, we’re committed to providing the guidance and support you need. We represent injured parties in New York City, Long Island, and throughout New York State.
Let us be your advocates in seeking the compensation you deserve, whether through a workers' compensation claim or a personal injury lawsuit. Your rights and well-being are our top priority. Call 855-585-2969 or submit our Contact Form to schedule a free initial consultation with a construction accident lawyer in New York.