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What if My Employer Doesn’t Have Workers’ Comp Insurance?

Discovering that your employer lacks the proper workers’ compensation insurance can be unsettling. However, it’s crucial to be aware of the available courses of action to protect your rights and seek appropriate compensation for your injuries.

Report the Injury

Regardless of your employer’s insurance status, it’s vital to report your work-related injury promptly. Notify your supervisor and ensure that the incident is documented. This initial step establishes a record of the injury, which may be valuable in the future.

Seek Medical Attention

If you’ve been injured on the job and your employer lacks workers’ comp insurance, seek medical attention immediately. Your health is the top priority, and documenting the extent of your injuries is essential for any potential legal action.

Consult with a Mankato Work Injury Lawyer

In cases where your employer doesn’t have workers’ comp insurance, consulting with a Mankato work injury lawyer becomes imperative. Our experienced attorneys at Harvey & Carpenter can assess your situation, explain your rights, and guide you through the legal process.

Pursue Legal Action

In the absence of workers’ compensation insurance, injured workers may have the option to pursue legal action against their employer. This may involve filing a personal injury lawsuit to seek compensation for medical expenses, lost wages, and other damages resulting from the work-related injury.

Explore Other Avenues

Depending on the circumstances, there may be alternative avenues for compensation, such as state-funded programs designed to assist injured workers when employers fail to provide workers’ comp insurance. In Minnesota, a Special Compensation fund has been established for injured workers whose employer’s failed to obtain workers’ comp insurance. Our legal team can explore these options and advise you on the best course of action for your specific case.

Contact the Mankato Workers Compensation Attorneys

Harvey & Carpenter, Attorneys at Law, proudly serves the Mankato, Minnesota community, and extends our legal expertise to Southern Minnesota. Our service area includes, but is not limited to, the following cities: Mankato, North Mankato, St. Peter, New Ulm, Waseca, Owatonna, Albert Lea, Fairmont, Worthington, and Austin. Additionally, we provide legal assistance in the surrounding counties of Blue Earth, Nicollet, Le Sueur, Waseca, and Faribault.

If you find yourself in the challenging situation of dealing with a workplace injury and an employer without proper workers’ comp insurance, don’t hesitate to contact Harvey & Carpenter at 507-779-7529. For Spanish speakers, call us at 507-779-7202. We offer phone and video consultations to discuss your case and provide the guidance you need during this difficult time. Your rights and well-being are our priority.