What Should You Do if Your Workers’ Compensation is Denied?

Fighting For You in Mississippi

When an injury impacts your ability to work, dealing with insurance matters can feel daunting. Insurance companies often use complex processes to create confusion and may attempt to deny rightful benefits and compensation, particularly when workplace negligence is involved. Facing these challenges during a difficult time can make a recovery feel even more stressful.

Navigating personal injury laws in Mississippi adds another layer of complexity. Securing skilled legal representation is crucial to managing these challenges effectively. We provide the support necessary to remain resolute against workplace politics and insurance company tactics designed to delay or deny your claim.

At Rundlett Law Firm, we are committed to assisting individuals who have experienced job-related injuries. Our team is here to help you every step of the way. Contact our office today to schedule a free consultation with one of our dedicated personal injury lawyers in Biloxi at 228-591-9324 or Clinton at 601-282-8426. 

What Are the Differences Between Worker’s Compensation and Personal Injury Claims?

Understanding the distinctions between worker’s compensation and personal injury claims can be challenging, especially with the stress of sustaining an injury. Yet, grasping these differences becomes vital after experiencing such an incident. Worker’s compensation ensures coverage for employees who suffer injuries while performing their essential job duties. This coverage typically includes medical expenses related to the injury or illness and a portion of lost wages during recovery, though it may not cover all salaries. In cases involving permanent disability, some additional medical costs may be included. However, independent contractors and volunteers are generally not eligible under these plans. Worker’s compensation functions as a no-fault system, ensuring claims are paid regardless of the party responsible for the injury as long as the incident occurred within the scope of the employee’s job duties.

This no-fault approach comes with an understanding of exclusivity, which typically prevents employees from suing their employers for further damages. Nonetheless, exceptions may exist in situations involving intentional harm or gross negligence, making it essential to seek legal advice to explore your options thoroughly. Personal injury claims, in contrast, follow a different set of rules and considerations, underscoring the importance of distinguishing between these two systems.

At Rundlett Law Firm, we steadfastly support our clients from the beginning. We take on insurance companies and employers, so you don’t have to face these challenges alone. We aim to alleviate the burden and provide the guidance you need during this difficult time. Contact our office today to schedule a free consultation. Let us help you navigate the complexities, pursue justice, and secure the compensation you deserve.

How Are Personal Injury Claims Structured?

Generally, personal injury claims stem from injuries caused by negligence, intentional actions, or another party’s recklessness. You should know a few things about personal injury claims in Mississippi. 

• Individuals injured as a result of another person’s negligence have the right to pursue a personal injury claim. There are many different kinds of injuries that can fall under this umbrella. Some of the most commonly seen are injuries from car accidents, defective products, slip-and-fall incidents, or medical malpractice
• Personal injury claims offer broader coverage compared to worker’s compensation, enabling victims to pursue a range of damages, such as medical expenses, lost wages, pain and suffering, as well as emotional distress.

• Personal injury claims require that the injured person (the plaintiff) be able to prove the negligence of the other party or their actions directly caused the injury or illness. 

Skilled legal counsel is critical in negotiating effectively with insurance companies and representing your interests in court when necessary. Every case is different, so you need the most formidable legal team fighting for you. At Rundlett Law Firm, we will get you and your loved ones the best compensation for your injuries.   

What is Contributory Negligence?

Contributory Negligence is a law in Mississippi that states that if someone shares in the negligence of causing harm to others, they cannot recover damages. It does not matter if the degree of contribution was 1% or 99%. If it contributed, no damages can be recovered by that party. Consult your personal injury lawyer for more detailed information about contributory negligence and whether it applies to your case.

What if My Worker’s Compensation Claim is Denied?

There are many reasons that a worker’s compensation claim may be denied. As a covered employee, you have rights. Do not allow yourself to be intimidated by insurance companies and your employer simply because they are bigger than you. Just like the schoolyard bully, they are programmed to pick on those who believe they are powerless. Do not let them convince you you are stupid because they use confusing terms or double-talk. There are steps you can take to protect yourself:

• Ask questions about the denial
• Seek legal counsel
• File an appeal
• Cooperate with medical examinations
• Attend all meetings
• Pursue litigation if necessary

When Should I Contact a Personal Injury Lawyer?

Accidents are unfortunate, and while no one wants to think about being injured, being prepared is essential. If you or a loved one suffers an injury on the job, contact Rundlett Law Firm. Your priority should be focusing on recovery, and we are here to handle the rest. Let us manage the negotiations with doctors and insurance companies on your behalf. Let us shoulder the burden so you can concentrate on healing. Contact our office in Biloxi at 228-591-9324 or in Clinton at 601-282-8426 to schedule your free consultation today.