Important Factors For Injured Workers
When are unfortunate enough to be the victim of a workplace injury, you may find that you are facing extremely high medical costs during a time when you are unable to work as you normally would. If you are currently facing this type of problem, you should be aware of the various factors that can play a role as you navigate the process of filing a worker's compensation claim.
The Presence Of An Active Worker's Compensation Policy
Unfortunately, there are some business owners that will flout their responsibility to protect their workers by failing to invest in a worker's compensation insurance policy. When this mistake is made, injured workers may face a much more difficult time collecting compensation. Typically, these matters will require a lawsuit or other legal action to compel the owner of the business to honor their legal obligation to pay for the medical expenses of their workers.
The Amount Of Evidence
When a person files a worker's compensation claim, fault and liabilities will typically not be major factors in determining whether the claim is approved. However, this does not mean that every claim will be approved. In some instances, the insurance may argue that the injury was not the result of a workplace incident or that it was a preexisting condition. Having a strong evidence trail that can tie the injury to the workplace incident can greatly improve your ability to negotiate with the insurance so that you receive a fair offer for the scope and extent of the injuries you suffered.
Complicating Factors
There can be instances where complicating factors surround the incident, and these factors can greatly complicate the application process. For example, there are strict regulations in place that prevent workers from being intoxicated or otherwise under the influence of illicit substances. This may seem like a reasonable consideration, but many individuals will be shocked to learn that their prescriptions may fall under this category. Additionally, other individuals may find that their employer is resisting filing the insurance claim or any other host of potential problems. As soon as these factors are encountered, you should hire an attorney as they will be able to help you navigate these more complicated worker's compensation claims.
Willingness Of The Insurance To Settle
A key factor that will determine your experience with filing a worker's compensation claim will be the willingness of the insurance company to approve the claim and offer a settlement. Sadly, there an be instances where the insurance may deny an otherwise reasonable worker's compensation claim or they may offer much less in terms of coverage for the injured worker. Unfortunately, insurance companies will often be much less willing to work with an individual that lacks professional representation. Contact a law firm, like Walz Law Office, for more help.
