Due to the similarities between workers compensation and personal injury cases, they can often be misunderstood. While both workers compensation cases and personal injury cases involve an injury, there are important differences between the two types of claims. A personal injury case can involve a wide variety of injuries, such as slip and falls or auto accidents, which can occur almost anywhere. These injuries are typically the result of another person’s actions or inaction, such as a negligent driver causing an auto accident or a business failing to maintain a safe environment for consumers. In contrast, workers compensation cases only involve injuries occurring during the course of employment.

A worker’s compensation case typically arises from an injury suffered on the job, such as being injured by machinery or falling from a ladder. Workers compensation cases can also occur due to an accumulation of harm suffered over time that develops into a more serious injury. Even automobile accidents can fall under the umbrella of worker’s compensation claims should they happen while performing tasks related to employment. Injuries suffered commuting to and from employment, however, do not result in a workers compensation case, as it is not an injury arising out of employment. The vast majority of employers in Florida are required by law to have workers compensation benefits for employees. Workers compensation benefits are available to employees regardless of who is at fault for an injury.
After suffering an injury during the course of employment, the injured employee is expected to report the problem within thirty days to prevent the possibility of their claim being denied. The employer’s insurance carrier is then contacted to handle the claim. A worker’s compensation attorney insures their clients receive proper treatment from the employer’s insurance carrier. The injured employee and insurance companies interests are at odds. The employee is seeking fast and adequate compensation, while the insurance carrier seeks to keep their costs as low as possible. An experienced workers compensation attorney can insure that injured employees receive all the benefits they are entitled to such as payment of medical expenses and lost wages compensation. An experienced workers compensation attorney is also invaluable should the employer’s insurance company seek to deny all or part of the injured employee’s claim.

A personal injury case can arise out of an injury that does not occur during the course of employment. Unlike a workers compensation case, in a personal injury case an attorney must show the other parties actions, or inaction, was negligent and the cause of their client’s injuries. In a personal injury case an attorney seeks to recover damages necessary to make their client “whole”, or in other words to put them back in the position they would have been in would have been in had the accident not occurred. The damages that can be recovered in a personal injury suit are more extensive than those sought in a worker compensation claim. For instance, a personal injury attorney can fight for monetary damages, such as past and future medical expenses, lost wages, and even projected future earnings. Additionally, in some instances an attorney may also seek damages for a physical and mental pain suffered as a result of an injury such as pain and suffering, disfigurement and scarring, and permanent disabilities.
Unlike a workers compensation case, a personal injury case generally gives the injured party a greater selection of medical treatment. While the employer’s insurance carrier in a workers compensation case typically chooses doctors, personal injury cases allow the injured party to receive treatment from wide variety of medical professionals.
Despite the differences listed above, workers compensation and personal injury cases share many similarities. Both types of cases involve injuries, medical treatment, and seek to reimburse the injured party. Additionally, personal injury cases can arise even in a work setting. For example, damages for injuries suffered while at work, but inflicted by someone other than a coworker or employer could be pursued in a personal injury case.
Additionally, some accidents could involve both a workers compensation claim and a personal injury claim. For instance, an automobile accident occurring during a work related errand. As the errand was work related the injured party would be able to recover workers compensation, but since another unrelated party is at fault, a personal injury case could also be pursued.
As seen in this a brief summary, there are several differences between workers compensation and personal injury cases. However, they can be quite similar, and an injured party may even have two claims stemming from a single injury. As such, it is important for anyone injured, whether on the job or simply during the course of their everyday activities, to seek legal counsel to help inform them of their rights and recover the compensation they deserve.
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