Workplace injuries are all-too-common events. Unfortunately, workers feel pressured to hide or conceal their injuries to prevent termination. Furthermore, not all Texas employers carry workers’ compensation insurance to protect employees. This situation is unique to Texas in that Texas is the only state in the US in which employers do not have to carry workers’ compensation insurance. This means that in Collin County, Plano, and all other parts of Texas, there are both “subscriber” employers and “non-subscriber” employers to workers’ compensation insurance. If your employer is a non-subscriber, you could benefit from having an experienced workplace accident attorney on your side to recover compensation for your workplace injury.
Subscriber Claims Versus Non-Subscriber Claims
In Texas, subscriber claims are the most common type of workplace injury claim. When employees are injured at work, they will first want to know if their employer carries workers’ compensation insurance or not. If the employer is a subscriber, an injured worker can file a workers’ compensation claim. In subscriber cases, employees are not able to bring lawsuits directly against their employer.
A non-subscriber is an employer who does not carry workers’ compensation insurance. If a non-subscriber’s employee is injured, he or she is able to bring a negligence claim directly against the employer. In these cases, an employer only needs to be 1% at fault in order to be guilty of negligence.
What Businesses are Non-Subscriber?
There are a few industries in Texas that tend to have more non-subscribing employers, such as grocery store chains and trucking companies. If you work at a non-subscribing employer, it is important that you understand your rights. If you are unsure whether your business is a subscriber, you can find out on the Texas Department of Insurance website. If you have any questions regarding your search, contact The Law Office of Joel M. Vecchio, P.C. We can assist you with your case immediately.
If you are in need of a workplace accident attorney, call our office today at 972-380-4444, or contact us online. If you are unable to come to our office, we will come visit you. We only charge contingency fees, and our phones are answered 24/7. Se habla español.