Victims of construction accidents may have grounds to sue

In Arizona, some employers are allowed to carry their own insurance instead of state-approved workers' compensation insurance. For that reason, employees often have questions about their options for compensation after suffering injuries in construction accidents or other incidents in their places of work. While workers' compensation is typically regarded as the only source of compensation, injured workers are entitled to explore other options.

Arizona workers may consider filing civil lawsuits against their employers under certain circumstances. If an employer's insurance provider does not cover long-term expenses for injuries that led to permanent disabilities, there may be grounds for a lawsuit. In circumstances in which the coverage excludes certain medical treatments, it may be necessary for an injured worker to take steps to enforce his or her legal rights.

If an employee can prove that his or her employer's gross negligence or intentional malice led to an injury, the worker may file a civil claim against the employer. The same steps can be taken if a third party caused the injury. This may be a contractor on site or the manufacturer of a defective piece of equipment.

The most logical steps for victims of construction accidents or other on-the-job incidents to take before going ahead with workers' compensation claims may be to consult with an experienced workers' compensation attorney. The lawyer can examine the benefits offered by the insurance provider along with the circumstances that led to the injury. Based on this information, he or she can suggest the most appropriate way to proceed to secure maximum benefits.

Source: FindLaw, "Workers' Comp or Lawsuit? 3 Considerations", Brett Snider, Accessed on Jan. 19, 2018

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