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Third Party Claims for Workplace Injuries

When Workers’ Compensation May Not Be Your Only Option

Third Party Claims for Workplace InjuriesIn New Jersey, when you have suffered injury or illness caused by an accident or exposure at work, your first recourse will typically be to file a workers’ compensation claim. In fact, your employer may even tell you that workers’ compensation is your “exclusive remedy,” that it replaces your right to file a personal injury lawsuit. In certain situations, that may be true, but there are exceptions. Here’s how it works.

The workers’ compensation laws were intended to be the “great bargain,” a program that would benefit both workers and employers. For workers, if your claim is approved, it means more rapid access to compensation. There’s no need to get on the court docket, to spend time gathering evidence, or to take your case to trial. If your application for benefits is approved, you can start receiving payments within a few weeks.

For employers, the primary advantage of the workers’ compensation system is the limit it puts on liability. Under the law, injured workers are paid a fixed benefit, mostly based on prior earnings. Accordingly, an employer doesn’t have to worry about a huge damage award from a sympathetic jury.

However, the workers’ compensation laws are a substitute for the liability of only the employer or a co-employee. If your injuries are caused by an unrelated third party, you can file a lawsuit to recover those damages. For example, if you were hurt in a motor vehicle accident involving an unrelated third party or because of the malfunction of a product or machine manufactured by an unrelated third party, you can still sue that party for damages.

In fact, you can file a workers’ compensation claim and a personal injury lawsuit simultaneously. The only caveat—you can’t recover twice for the same loss. If your workers’ compensation claim paid your medical expenses, you can’t recover for those losses in a personal injury lawsuit.

Contact Attorney David J. Karbasian

Contact our office online or call us at 856-667-4666 / 856-600-HURT to schedule an appointment. Your first consultation is without cost or obligation. The sooner you call, the sooner you can move forward with your claim. We can accommodate evening or weekend meeting requests and will come to your home, if necessary.

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