Workplace accidents are generally covered by workers’ compensation, but in some cases, a third-party claim can offer additional compensation. Here’s how third-party claims work in Georgia and when they might apply.
What Is a Third-Party Claim?
While workers’ compensation provides benefits for injured employees, it may not fully cover all damages. A third-party claim allows you to seek compensation from someone other than your employer who contributed to the accident.
Common Scenarios for Third-Party Claims
1. Defective Equipment: If equipment malfunctioned due to a manufacturer’s negligence, you might be able to sue the manufacturer.
2. Vehicle Accidents: If you’re injured in a car accident while working, you could file a claim against the other driver’s insurance.
3. Unsafe Premises: If you were injured on a client’s or another company’s premises due to unsafe conditions, you may file a claim against the property owner.
Steps to Take When Filing a Third-Party Claim
1. Document the Incident: Record the circumstances, injuries, and potential third-party involvement.
2. Seek Medical Treatment: Ensure your injuries are documented.
3. File Your Workers’ Comp Claim: Even if a third-party claim is possible, file your workers’ comp claim to access immediate benefits.
4. Consult an Attorney: Third-party claims are complex and may require navigating multiple insurance policies.
Benefits of a Third-Party Claim
A successful third-party claim can provide additional compensation beyond what workers’ comp offers, including pain and suffering, emotional distress, and potentially higher compensation for lost future earnings.
For help with a third-party claim after a workplace injury, contact Gunn Law Group at 888-244-4866.
