When someone is involved in a serious Texas workplace accident, they may have several options when it comes to seeking compensation for their injuries. In general, a Texas employee who is injured on the job can pursue a Texas workers’ compensation claim. Under the Texas workers’ compensation program, an injured employee can pursue a claim for workers’ compensation regardless of fault. However, the major problem with workers’ compensation claims is that the type and amount of damages available are limited.
Generally speaking, if an employer has obtained workers’ compensation insurance, then a workers’ compensation claim is an injured employee’s only recourse against an employer. However, unlike most states, Texas does not require employers to obtain workers’ compensation insurance. If an employer is a “non-subscriber” to the workers’ compensation program, a plaintiff can pursue a traditional negligence action against the employee. In these situations, an employee’s damages will not be limited as they would in a workers’ compensation case.
As mentioned above, Texas workers’ compensation cases can proceed absent a finding of fault against an employer (even if the employee was partly responsible for their own injuries). However, some workplace accidents are the result of another party’s negligent conduct. In these situations, an injured employee may be able to pursue a Texas third-party liability claim against the negligent party.