What You Need to Know About Florida’s Workers’ Compensation Laws

A work-related injury is the last thing you expect when you show up for your shift. Even though you are as careful as possible, accidents can still occur. Understanding the laws governing work-related injuries is important, especially when you need to file a claim. Here is what you should know about workers’ comp in Florida.

Who Is to Blame?

In Florida, no one is to blame for a work-related injury. As a no-fault state, you are allowed to file a workers’ compensation claim no matter who is responsible for the accident or event that caused your injury. Your employer can’t legally fire you if you file a workers’ comp claim. The majority of employers do everything within their power to make sure their employees have a safe and productive work environment.

Report Your Injury Immediately

Some injuries are more apparent than others. If you feel you have been injured, but there are no outward signs of a wound or other abnormality, you should report the incident to your employer and seek medical attention immediately. Failing to report an injury in time can lead to your claim being denied. There are deadlines to meet, and it’s up to you to file your claim in a timely fashion. No one can file it for you, and it is up to you to make sure that you receive medical attention.

Choosing the Doctor

In order to win your workers’ compensation claim, you will need to visit a third-party medical examiner who is not associated with you or your employer. While your initial visit may be to your primary care physician, it will be up to an unbiased medical doctor to verify your injuries and attribute them to the accident that occurred while you were at work. In most cases, a doctor will be appointed to the case by the court once your claim has been filed.

How Valuable Is Your Claim?

An insurance company may undervalue your claim or try to force you to settle for less than what you deserve. They may even try to deny your claim altogether. It’s important to find out what your claim is worth before you settle your claim. Many injuries require extensive care and time off of work. Don’t undervalue your claim by settling for less than you deserve.

What About Other Lawsuits?

While you can’t sue your employer, you may be able to sue a third party if you can prove they were negligent. When you file a workers’ compensation claim, you are giving your employer an opportunity to rectify the situation and help you overcome the financial obstacles you are facing due to your work-related injuries. However, it does not stop you from taking legal action against others who may have increased your risk of an injury or played a direct role in its occurrence.

If you live in the state of Florida and have experienced a work-related injury, it is up to you to plead your case. Contact our agents at Locke Insurance Group to learn more about the claims process. Each of our agents has years of experience in dealing with workers’ compensation insurance. Call and schedule an appointment at your earliest convenience.

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