If your employer does not have workers' compensation insurance, they may be violating state law, as most states require employers to carry this insurance. In such cases, you can:

Report the Employer: Notify your state's workers' compensation board or labor department about the lack of coverage.

File a Claim with a State Fund: Some states have special funds to provide benefits to workers whose employers are uninsured.

Consider Legal Action: You may have the option to file a personal injury lawsuit against your employer for negligence, seeking compensation for your injuries and related expenses.