What is a Nonsubscriber Accident Attorney?

by | Sep 1, 2023 | Nonsubscriber Employers, Workplace Accident, Workplace Injuries, Workplace Safety

Workplace accidents are an unfortunate reality that can disrupt the lives of employees and businesses alike. When an employee is injured on the job, they often rely on workers’ compensation benefits to cover medical expenses and lost wages. However, in some cases, employers choose not to subscribe to workers’ compensation insurance, leaving injured employees in a vulnerable position. This is where nonsubscriber accident attorneys step in.

In this article, the nonsubscriber accident attorneys at Kherkher Garcia delve into the role and significance of nonsubscriber accident attorneys, shedding light on their responsibilities and the challenges they face in assisting injured workers seeking compensation.

Understanding Nonsubscriber Employers

Before diving into the role of nonsubscriber accident attorneys, it is important to understand the concept of nonsubscriber employers. Texas is one of only a few states that does not require all employers to carry workers’ compensation insurance. Employers who choose not to carry workers’ compensation insurance are known as nonsubscribers.

Instead of participating in workers’ compensation insurance, these employers take on the responsibility of handling workplace injury claims themselves. This approach can provide employers with more flexibility in addressing workplace injuries but can also expose them to greater legal and financial risks.

There are many well-known companies – even major companies – that are nonsubscribers in Texas, including:

  • Hobby Lobby
  • Home Depot
  • Amazon
  • Sysco
  • Target
  • Macy’s
  • Safeway
  • Wells Fargo
  • Whataburger
  • Sanderson Farms
  • McLane Trucking Company
  • Whole Foods

This is not an exhaustive list, and there may be other companies in Texas that are nonsubscribers. If you are not sure whether your employer is a nonsubscriber, you can ask them to provide you with a copy of their workers’ compensation insurance policy. You can also contact the Texas Department of Insurance to inquire about your employer’s coverage status.

Why Do Some Companies Choose Not to Subscribe?

There are a few advantages to being a nonsubscriber, such as:

  • Nonsubscribers do not have to pay workers’ compensation insurance premiums.
  • Nonsubscribers are not subject to the same legal restrictions as subscribers. For example, nonsubscribers can be sued by injured employees for negligence.

However, there are also some disadvantages to being a nonsubscriber. For example:

  • Nonsubscribers can be held liable for much larger damages than subscribers.
  • Nonsubscribers may have difficulty finding and keeping employees.
  • Nonsubscribers may be exposed to more legal risk.

It is important to note that being a nonsubscriber does not mean that an employer is immune from liability for injuries to their employees. Nonsubscriber employers can still be sued by injured employees, and they may be held liable for damages. However, the legal process for recovering damages from a nonsubscriber employer is different than the process for recovering damages from an employer that has workers’ compensation insurance.

The Role of Nonsubscriber Accident Attorneys

Nonsubscriber accident attorneys specialize in representing employees who have been injured while working for nonsubscribing employers. These attorneys play a pivotal role in advocating for injured workers’ rights and pursuing compensation on their behalf. Their responsibilities encompass various aspects of the legal process, including:

  • Legal Consultation: One of the primary roles of nonsubscriber accident attorneys is to provide legal guidance to injured employees. They assess the circumstances of the workplace injury, explain the relevant legal options, and help clients make informed decisions regarding their case.
  • Investigation: Attorneys collaborate with investigators to gather evidence related to the accident. This may involve interviewing witnesses, reviewing medical records, and examining the workplace environment to determine liability.
  • Negotiation: Many workplace injury cases are resolved through negotiations rather than going to court. Nonsubscriber accident attorneys engage in discussions with the employer or their legal representatives to seek a fair settlement for the injured employee. This settlement typically covers medical expenses, lost wages, and other damages.
  • Litigation: If negotiations fail to yield a satisfactory outcome, nonsubscriber accident attorneys are prepared to take the case to court. They prepare legal arguments, present evidence, and advocate for their clients in front of a judge and jury.
  • Ensuring Compliance: Nonsubscriber accident attorneys help ensure that nonsubscribing employers fulfill their legal obligations regarding workplace injuries. This includes adhering to state laws and regulations that dictate how employers must handle compensation claims.

Challenges Faced by Nonsubscriber Accident Attorneys

Navigating workplace injury cases involving nonsubscribing employers can present unique challenges for attorneys, such as:

  • Complex Legal Landscape: The absence of a uniform workers’ compensation system for nonsubscribers means that attorneys must navigate a complex web of state laws, regulations, and case precedents to build strong cases for their clients.
  • Employer Resistance: Nonsubscribing employers may be resistant to admitting liability, making negotiations more challenging. Attorneys need to employ persuasive strategies to convince employers to take responsibility for their employees’ injuries.
  • Evolving Legal Standards: Laws and regulations surrounding workplace injuries are subject to change, requiring nonsubscriber accident attorneys to stay up-to-date with the latest legal developments to provide accurate advice to their clients.
  • Stigma and Misinformation: Some employees may be unaware of their rights or believe that pursuing compensation from a nonsubscribing employer is futile. Nonsubscriber accident attorneys must combat misinformation and provide clarity on the legal options available.

What Sort of Damages are Available to Injured Workers in Nonsubscriber Lawsuits?

In a nonsubscriber accident lawsuit, you may be eligible to recover various types of damages, depending on the specifics of your case. Since nonsubscriber accident cases involve injuries sustained while working for an employer that has opted out of workers’ compensation insurance, the legal process for recovering damages can differ from traditional workers’ compensation claims.

Here are some common types of damages that you might be able to recover in a nonsubscriber accident lawsuit:

Medical Expenses

You can seek compensation for the costs associated with medical treatment, including hospital stays, surgeries, medications, rehabilitation, physical therapy, and ongoing medical care related to your injury.

Lost Wages

If your injury prevents you from working, you may be entitled to recover the wages you would have earned during the time you were unable to work. This can include both past and future lost wages.

Pain and Suffering

This category of damages covers the physical pain, emotional distress, and mental anguish you experienced as a result of the accident and your injuries. Unlike workers’ compensation, which generally doesn’t cover pain and suffering, nonsubscriber accident lawsuits may allow you to seek compensation for these intangible losses.

Disfigurement and Scarring

If your injuries resulted in permanent disfigurement or scarring, you may be eligible to recover damages for the physical and emotional impact of these changes to your appearance.

Loss of Consortium

This refers to damages that a spouse or family member may be able to recover due to the loss of companionship, support, and intimacy resulting from your injuries.

Loss of Enjoyment of Life

If your injuries have significantly impacted your ability to engage in activities you once enjoyed, you might be able to seek compensation for the loss of enjoyment of life.

Punitive Damages

In some cases, if the employer’s actions were particularly reckless or malicious, the court may award punitive damages. These damages are intended to punish the employer and discourage similar behavior in the future.

Legal Fees and Costs

Depending on the jurisdiction, you might be able to recover the costs associated with pursuing your nonsubscriber accident lawsuit, including attorney’s fees, court filing fees, and other related expenses.

It is important to note that the availability and limits of these damages can vary significantly depending on the facts of your case. It is recommended that you consult with an experienced nonsubscriber accident attorney who can provide guidance tailored to your specific situation and the laws in your state.

Contact a Nonsubscriber Accident Attorney

Nonsubscriber accident attorneys play an indispensable role in advocating for your rights if you are injured while working for a nonsubscribing employer. At Kherkher Garcia, our attorneys take a multifaceted approach to our cases. From legal consultation to courtroom representation, we ensure that you have a fighting chance to receive fair compensation for your injuries.

To learn more about your legal rights and options for pursuing compensation, contact our team today. Call us at 713-333-1030, or fill out our online contact form for a free consultation.

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Steve Kherkher

Steve Kherkher

Founding Partner and Trial Lawyer

This article was written and reviewed by Injury Trial Lawyer and Founding Firm Partner Steve Kherkher. Steve has been a practicing injury lawyer for more than 30 years. He has won $300 Million+ in Settlements and Verdicts for his clients. He is a force to be reckoned with in the courtroom and the trial lawyer you want on your side if you or a loved one have been catastrophically injured.

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