What work insurance plan covers you while you are out of Texas on business?
As a Texas non-subscriber employee, you are not covered by workers’ compensation insurance, which is a state-regulated insurance program that provides benefits to employees who are injured on the job. However, if you are injured while working out of state, you may have options for seeking compensation. If your employer hired you in Texas and they are a Non-Subscriber, you may be able to file a lawsuit against your Non-Subscriber employer in Texas if their negligence caused your injuries. Additionally, because you were working outside of the state of Texas, you may have other options to explore.
One option is to file a personal injury lawsuit against your employer.
You may be able to pursue a lawsuit in the state where you were injured, or you may be able to file a lawsuit in Texas if your employer has sufficient contacts with the state.
Another option is to seek coverage under your employer’s general liability insurance policy. This type of insurance may cover injuries that occur outside of Texas, but it will depend on the specific terms of the policy.
It’s important to speak with an experienced Texas non-subscriber work injury attorney who can help you understand your options and pursue the best course of action for your specific situation.
Attorney Hector L. Sandoval, for instance, is a licensed attorney in Texas with experience in Texas non-subscriber cases, and he may be able to provide legal guidance and representation for individuals who have been injured on the job.
If you need further information about your case, please don’t hesitate to call our law firm directly.
You can Actually File a Lawsuit in a Texas Non-Subscriber Case!
Keep in mind that one of the main differences between the two types of work injury cases is a very important one. If your employer has Workers’ Compensation Coverage, they cannot be sued even if they were negligent in causing your injury. If your employer has an employee benefit plan, and they’re a Texas Non-Subscriber, then you can file a lawsuit against them if their actions caused your injury. This is an important difference that hospitals, clinics, and doctors are not concerned about because they’re more focused on where they need to send the bill. Medical providers often use forms from the Texas Department of Insurance to report the status of your injuries and your restrictions even though your employer is a Texas Non-subscriber. For these reasons, you can’t trust your medical providers to tell what kind of coverage you could be entitled to. Whether your employer is a Worker’s Compensation subscriber can be determined in a matter of minutes, but this isn’t information that your employer is likely going to share with you voluntarily. You need to do your research or find someone who understands how to get to the root of the coverage.
Here at Sandoval Law Firm, PLLC, we understand the frustrations that injured workers face from the minute they get injured. The shaming and the resistance begin almost immediately. The concerns of the employee and the goals of the company following an injury-producing work incident do not run in the same direction.