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August is busiest month for workers' comp claims in Texas

Believe it or not, August is here. According to data from Travelers, August is the most dangerous money for workplace injuries and accidents. The insurance company says for the past two years, workers in Texas filed more workers' compensation claims in August than any other month.

When workers are injured on the job, they are often able to file a claim for workers' compensation to help cover medical expenses, lost wages and other costs related to the accident. The amount of comepnsation the injured worker can recieve depends on the type and severity of the injuries suffered.

In Texas, employers that have workers' compenstion coverage are usually immune from personal injury lawsuits that result from workplace injuries. That means a worker in Texas who is injured on the job can't elect to sue his employer if that employer has workers' compensation insurance. Although, the injured worker may still be able to pursue a personal injury claim against a neligent third party.

However, the Texas Department of Insurance reports that one-third of all businesses in the state of Texas do not subscribe to workers' compensation insurance. When an employer is not covered by workers' compensation, the employer loses immunity in personal injury lawsuits involving employer negligence.

Whether an employer is covered or not by workers' compensation, it is always wise to consult an experienced personal injury lawyer following a workplace accident. A personal injury lawyer can help the worker figure out what type of benefits he or she may be entitled to and how much.

Additionally, a personal injury lawyer can assist with workers' compensation appeals.

Source: Market Watch, "August is the Most Dangerous Month for Texas Workers," Aug. 1, 2013

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