What to Know About Third-Party Liability After a Work Injury in Houston
When someone is hurt on the job in Houston, the first thing many people think about is workers’ compensation. However, Texas has unique laws and many workplaces do not always carry traditional workers’ comp. Even when it is available, not all injuries are limited to workers’ compensation coverage. In certain cases, another party outside of your employer may share responsibility for your injury. This is called third-party liability.
If you or a loved one has been injured at work, understanding how third-party liability in a work injury case in Houston works can help you make informed decisions about your next steps.
What Is Third-Party Liability in Work Injury Cases?
Third-party liability arises when someone other than your employer is responsible for your injuries. Unlike workers’ compensation, which is usually a no-fault system tied directly to your employer, third-party claims involve holding outside parties accountable.
Key differences from workers’ compensation:
- Workers’ Compensation: Provides limited benefits such as medical expenses and a portion of lost wages, regardless of fault. It usually prevents employees from suing their employer.
- Third-Party Liability: Allows an injured worker to pursue a claim against an outside company or individual who contributed to the injury. This may involve damages not covered under workers’ compensation, such as pain and suffering.
Examples of Third-Party Liability Situations
Example 1: Construction Site Accident
A crane operator employed by one company drops heavy materials on a worker employed by another. The injured worker may have a third-party claim against the crane operator’s employer.
Example 2: Refinery Explosion
An equipment contractor provides defective safety valves to a refinery in Pasadena. When the valves fail, a worker is badly injured. The contractor, not the worker’s employer, may be liable.
Example 3: Delivery Driver Injury
A delivery driver is struck by another company’s truck while unloading goods at a warehouse. The negligent driver’s employer may be held accountable as a third party.
These examples show that workplace injuries in Houston are not always limited to the employer-employee relationship.
Common Questions About Third-Party Liability Work Injuries in Houston
Is third-party liability the same as workers’ compensation?
No. Workers’ compensation comes from your employer (if available). Third-party liability involves holding another company or individual responsible.
Can I pursue both workers’ compensation and a third-party liability claim?
Yes, in some situations. An injured worker may receive workers’ comp benefits and also pursue a claim against an outside party who contributed to the accident.
What types of damages can be recovered in a third-party claim?
While workers’ comp usually only covers medical costs and partial wages, third-party claims may allow for additional damages, such as pain and suffering, depending on the case.
Do I need a lawyer for a third-party liability case?
Work injury cases involving third-party liability can be complex. Speaking with a personal injury lawyer can help you understand your rights and options.
Why Third-Party Liability Matters for Houston Workers
In busy industries like construction and refinery work, accidents are often the result of multiple factors. Identifying whether a third party is at fault can make a big difference in the outcome of your case. Workers who overlook this possibility may miss the chance to hold negligent companies or contractors accountable.
If you are dealing with a third-party liability work injury in Houston, the most important step is to educate yourself about your options and seek legal guidance when needed.
Attorney Don McClure Can Help You Understand What to Do Next
Attorney Don McClure Jr. has helped many individuals in Texas after accidents involving cars, 18 wheelers, and commercial vehicles. He understands how overwhelming it can feel to face insurance companies while also dealing with medical care, paperwork, and stress.
At the Law Office of Don McClure, our focus is on people, not just case files. We take the time to listen, ask the right questions, and explain your options in plain language. Whether you decide to settle or explore further legal action, our team is here to provide guidance, honest advice, and personal attention.
Schedule a free case consultation today, so you can get answers before making any decisions. There is no cost to speak with us, and you will not owe attorney fees unless there is a recovery on your behalf.
Phone: 713-571-7777
Email: hello@attorneymcclure.com
This blog is for informational purposes only and does not guarantee results. Each case is different and should be evaluated on its own facts.