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What does no-fault coverage through workers’ comp mean for you?

On Behalf of | May 20, 2022 | Workers' Compensation |

You know that you can rely on workers’ compensation if you get hurt on the job in Alabama. Your employer probably has a poster in the break room advising you of their coverage and your rights. You can also claim benefits after a doctor diagnoses you with a medical condition related to your job, like a repetitive stress injury.

The workers’ compensation system in Alabama is a no-fault insurance program. The average person may not fully understand what no-fault coverage means for them or how no-fault rules might affect their claim. When you learn about the implications of no-fault coverage, you will feel more confident about making a claim.

You don’t have to prove that your employer did something wrong

If you want to take someone to court for an injury that they caused, you typically need to prove either that they broke the law or that they were seriously negligent. Workers’ compensation insurance will protect you from the loss of weeks’ worth of wages and medical expenses while simultaneously protecting your employers from expensive liability that could come from a worker injury.

Your right to a claim persists even if your employer took every reasonable step to keep you safe on the job. Any injury or illness, even those that your employer was not directly responsible for, will have coverage through workers’ compensation.

You don’t have to show that you were without fault

Some defendants in personal injury cases defend themselves from liability by claiming that the plaintiff caused or contributed to their injuries. You won’t have to worry about that with a workers’ compensation claim.

Even when workers are completely to blame for the accident where they got hurt, they can still claim benefits unless they intentionally caused their own injury or were under the influence of drugs or alcohol on the job.

Of course, while you may not need to establish or disprove your own contributions to the incident, the claim process can still be quite complex. Many people to need benefits, especially if they have a condition that will require long-term benefits, will have an easier time navigating the system if they have the help of an attorney.

Learning more about your eligibility for workers’ compensation benefits can help you after you develop a medical issue because of your job.

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