Insurance plays a crucial role in construction accident claims, primarily through workers' compensation and liability insurance:
- Workers' Compensation Insurance: This no-fault insurance provides benefits to employees who suffer job-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, regardless of who was at fault for the accident.
- Liability Insurance: General contractors and subcontractors often carry liability insurance to cover claims resulting from accidents caused by their negligence. This insurance can cover damages not addressed by workers' compensation, such as pain and suffering.
- Health Insurance: If your injuries require medical treatment beyond what workers' compensation covers, your personal health insurance may step in to cover additional costs.
- Disability Insurance: Short-term and long-term disability insurance can provide income replacement if you are unable to work due to your injuries.
