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What to do if you're injured on the job in Texas

There are some well-established industries in the state of Texas that pose substantial risk to their employees, including the energy industry and commercial trucking transport, among others. Because the state of Texas is the only state that doesn't require private employers to carry and contribute to workers' compensation insurance plans, there is the possibility that an injured worker could face steep medical bills while having little or no insurance coverage to offset the expense.

Whether your employer carries workers' compensation insurance or not, if you or someone you love is injured on the job in Texas, you should contact an attorney as soon as possible.

Find out if your employer has workers' compensation insurance

One of the first things you should do (ideally before your injury), is find out if your employer is carrying workers' compensation insurance to protect you in the event of a worksite injury. Legally, your employer is supposed to notify you via signage that they are a non-subscriber.

Even if there is workers' compensation coverage at your place of work, it can be an uphill battle to have a workers' compensation claim approved, and it can take months to get reimbursement or payment for medical bills and lost wages experienced as a result of a worksite injury. Working with an attorney can expedite that process.

Make a record of the accident and your injuries

Especially if there was a failure or complete lack of security and safety equipment or practices, it's important that you make a written or recorded record of your experience as soon as possible. Take pictures or video of the accident site with your cellphone before leaving to seek medical attention, if you can. If you are unable to do so, document your memories as soon as you are able.

Without visual or recorded documentation, it will be hard to clearly prove to the courts or to an insurer the circumstances surrounding the accident. Making a clear record of the situation protects you and helps ensure your medical expenses will be covered as they should be.

Contact an experienced litigation attorney as soon as possible

While no one wants to be litigious with one's employer, it's critical that you protect yourself, your family, and your financial security in the wake of a workplace accident. Some employers will do everything in their power to deny a workers' compensation claim, and some who have opted out of state run workers' compensation plans carry insurance with so many coverage loopholes you'll struggle to get coverage following an injury.

An attorney can review the details of your case and advise as to what, if any, legal recourse is available. They can also help negotiate with the insurance providers to help speed up the claim processing.

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