Most people know that if you’re injured at work, you can file a workers’ compensation claim. But what many don’t realize is that if someone other than your employer contributed to your injury, you may have the right to pursue additional compensation through a third-party claim.
What Is a Third-Party Claim?
A third-party claim allows injured workers to sue an outside party who played a role in their accident. Unlike workers’ compensation — which only covers medical bills and partial lost wages — third-party claims allow victims to recover pain and suffering, full wage loss, emotional distress, and even punitive damages.
Examples of Third-Party Liability
- Construction Accidents: Subcontractors, property owners, or equipment manufacturers may be at fault.
- Defective Products: If a machine or tool malfunctions and causes injury, the manufacturer can be liable.
- Vehicle Accidents at Work: If you’re driving for work and hit by another driver, they can be held responsible.
- Negligent Property Owners: Slips, trips, or falls on unsafe job sites may lead to third-party claims against the property owner.
Why Third-Party Claims Matter
Workers’ comp benefits are often limited. A third-party lawsuit can significantly increase your financial recovery, covering:
- Full medical costs (including future care)
- Lost wages and lost earning potential
- Pain, suffering, and emotional damages
- Rehabilitation or retraining costs
How a Lawyer Helps
Proving a third-party claim requires investigation, evidence gathering, and expert testimony. Insurance companies often resist paying full compensation, making skilled legal representation essential.
👉 If your workplace injury involves negligence from someone other than your employer, you may be entitled to much more than workers’ comp alone. A third-party claim ensures you aren’t left struggling with uncovered expenses and losses.
