Third-Party Claims: Third-party claims are the primary method of recovery for non-workers’ compensation-related claims. If a third party injures you while on the job it is possible you will have a claim separate and apart from the workers’ compensation claim.
Employer/Co-Employee Claims: Generally, workers’ compensation is the exclusive remedy for injuries sustained on the job. However, the exclusive remedy rule does not protect an employer or co-employee from liability for willful misconduct.
Please remember that the method of monetary recovery will depend on the cause of injury. For example, if you are bitten by a dog during work the dog owner’s renters or homeowners’ insurance policy will be the primary method of recovery. If you are in an automobile accident the primary method of recovery will be various types of car insurance.