Your Rights After an Injury on the Job: Workers’ Comp vs. Third-Party Claims

Getting hurt at work can turn your life upside down. You may be facing medical bills, lost income, and confusion about your legal rights. At RHC Law, we help injured workers in Texas understand their options and fight for the compensation they deserve. Here's what you need to know.

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Workers’ Compensation in Texas

Texas does not require all employers to carry workers’ compensation insurance. If your employer does have coverage, you may be entitled to:

• Medical treatment
• Partial wage replacement
• Disability benefits

But you usually can’t sue your employer if they offer workers’ comp benefits—even if they were negligent.

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What If Your Employer Doesn’t Offer Workers’ Comp?

If your employer is a non-subscriber (meaning they don’t carry workers’ comp), you may have the right to sue them directly. In these cases, you could recover much more than just lost wages and medical costs—you may also be compensated for pain and suffering.

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Third-Party Claims

Even if your employer provides workers’ comp, you may be able to file a third-party claim if someone other than your employer caused your injury. Examples include:

• A negligent contractor on the job site
• A defective piece of equipment
• A careless delivery driver

In a third-party claim, you can pursue full compensation beyond what workers’ comp covers.

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How RHC Law Can Help

We’ll investigate the details of your accident, determine who’s liable, and help you decide whether to file a workers’ comp claim, a lawsuit, or both.

Injured on the job in Texas?
Don’t guess your rights—contact RHC Law today for a free, no-obligation consultation.

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