Texas is one of the few states in the United States that doesn’t require employers to provide or “subscribe” to workers’ compensation insurance. This means that these employers, known as “non-subscribers,” are responsible for any injuries an employee may sustain as a result of negligence by the employer or another employee. When a Non-Subscriber Claim is filed against the employer, the employee can then recover any losses and damages directly from the employer.

But this can be very difficult, especially on your own. This is why if you are injured while on the job, it’s best to call an experienced workers’ compensation attorney to help handle your Non-Subscriber Claim. The Houston workers’ comp lawyers at de Lachica Law Firm, PLLC, have handled hundreds of Non-Subscriber Claims and are prepared to help recover your losses after a workplace accident.

The Difference Between a Subscriber and a Non-Subscriber Claim

In Texas, employers have a choice when it comes to workers’ compensation insurance: either purchasing a policy that was approved or administered by the Texas Department of Insurance, purchasing a policy that was not approved, or not buy any type of insurance. If the employer chooses the latter, then the business is classified as a “non-subscriber.” If the employer purchases an umbrella policy, general liability policy, or another type of supplemental work injury policy, it is not administered through the Texas workers’ compensation board and these claims are resolved by a separate area of the law.

The biggest difference between a Non-Subscriber Claim and that of a workers’ compensation claim is where the fault lies. In a workers’ comp claim, the employee will be covered whether he/she is responsible for the accident. In a Non-Subscriber Claim, the employee needs to prove that the employer is responsible for his/her accident.

This is why it’s essential to have an experienced non-subscriber claim lawyer to help you with your case. Your employer may try to put the blame entirely on your shoulders in order to deny coverage, something that you don’t have to worry about with workers’ compensation. In order to be properly compensated, you need a lawyer.

De Lachica Law Firm is Prepared to Help

If you’ve been injured in a workplace accident and your employer is a non-subscriber, don’t wait another second. Contact a Houston non-subscriber claims lawyer at de Lachica Law Firm, PLLC, today for a free consultation.

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