With the rising popularity of online ordering, delivery drivers are more in demand than ever – and the job certainly keeps you busy.
Unfortunately, the job can also be quite dangerous. You easily run the risk of a slip-and-fall accident in bad weather, repetitive strain injuries from all the driving, back injuries from all the lifting and carrying and more.
You also run a significant chance of ending up in a car wreck with a driver who wasn’t paying attention to the road. If that happens and you’re seriously injured, you need to explore your options for a third-party claim in addition to workers’ compensation.
What’s a third-party claim?
When someone is injured in an on-the-job wreck, they’re entitled to medical benefits, some wage replacement benefits and a few other things through the workers’ compensation insurance maintained by their employer. Generally speaking, it’s an injured worker’s “exclusive remedy” for their losses.
However, workers’ comp does not cover all of your lost wages, nor does it entitle you to any compensation for your pain and suffering. It may not even meet all of your other needs, especially if your injuries are severe.
If your wreck was caused by another driver, you might be able to pursue a personal injury claim against that driver in civil court in addition to making your workers’ comp claim. The two are not mutually exclusive. A successful claim can provide you with significant additional funds.
It’s hard to understand your rights after a workplace injury, especially when the situation is complicated. Having experienced legal guidance can help you obtain the maximum possible compensation available to meet your needs and take care of your family.