Some large companies in Texas may choose not to pay an insurance company to administer work injury claims made against them for several reasons:
- Self-insurance: Some large companies may choose to self-insure their workers’ compensation claims instead of purchasing insurance from an outside carrier. This can be done to reduce costs, as insurance premiums can be expensive, especially for companies with a large number of employees. Learn about Texas Non-Subscriber work injury cases.
- Control over claims: By self-insuring, a company has more control over the handling of work injury claims. They can choose their own medical providers, manage the claims process, and have more input on the settlement of claims.
- Customization: Self-insurance also allows companies to customize their workers’ compensation program to better fit their needs and the needs of their employees. This can include offering additional benefits or services that may not be available through a traditional insurance carrier.
- Financial stability: Self-insuring also allows companies to maintain more control over their finances and avoid the fluctuations in premiums that can occur with traditional insurance carriers. They can also potentially earn investment income on the funds set aside for workers’ compensation claims.
Overall, self-insurance can be a viable option for large companies in Texas to handle work injury claims made against them. However, it is important for companies to fully understand the legal and financial implications of self-insuring and to have the necessary resources and expertise to properly manage and administer their workers’ compensation program.
As an attorney who has represented many injured workers in Texas, I can say that navigating the legal system and obtaining fair compensation for work-related injuries can be incredibly challenging. The lack of mandatory workers’ compensation coverage, limited benefits, and complex legal process can make it difficult for workers to get the help they need. It’s important for injured workers to seek legal assistance to ensure their rights are protected and they receive the full benefits they are entitled to, explains Texas Non-Subscriber Lawyer Hector Sandoval.
Texas Non-Subscribers Companies
- Best Buy
- Home Depot
- Tractor Supply
- Tom Thumb
- Pep Boys
- McDonald's (some locations)
- Oak Farms Dairy
- American Bottling Company (Coca Cola, Dr. Pepper, Keurig)
- Brookdale Senior Living
In a non-subscriber case, an injured employee may be able to pursue a lawsuit against the employer to recover damages such as medical expenses, lost wages, pain and suffering, and other losses related to the injury. However, the employee would need to prove that the employer was negligent and that the negligence caused the injury.
Read also: Not Your Typical Texas Workers’ Compensation Case
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