Accidents happen, even outside of the workplace. Whether it’s a car crash, a slip and fall, or any other kind of injury, it’s important to know how to handle the situation when it arises. Knowing your rights and what steps to take can alleviate some of the stress that comes with unexpected injuries. 

Here are six headings to help you navigate through the what-ifs of injuries outside of the workplace and workers compensation.

Understand How a Worker’s Compensation Claim May Be Affected 

If you are injured while off the job, your workers’ compensation won’t cover your medical expenses, but there are certain situations where a workplace injury could be a factor in your case. 

For example, if you have an existing medical condition that could be worsened by work, or a pre-existing condition is aggravated by work, you may have a claim. 

It’s important to speak with a workers compensation attorney who is knowledgeable in personal injury law for employees to determine if your workplace injury is relevant to your case.

Check All Relevant Insurance Policies for Coverage

You might be able to get compensation through other types of insurance policies. For example, if you are injured in a car accident, you should check your auto insurance policy to determine if you are covered for medical bills and lost wages. 

Similarly, if you are injured at someone’s property, their homeowner’s insurance may provide coverage for your expenses. It’s always a good idea to check all of your insurance policies to determine what coverage you have.

Understand Your Rights as an Injured Employee

As an injured employee, you have certain rights. You have the right to receive medical treatment for your injuries, and your employer must pay for any necessary medical expenses related to your injury. 

Additionally, you have the right to file a personal injury claim against any responsible parties to recover damages. Knowing your rights can help you better navigate the process and ensure you receive the compensation you are entitled to.

Determine What Medical Treatments Are Needed

It’s essential to have a clear understanding of the treatments that are necessary to recover from your injury. If you don’t seek proper medical attention, your injury could worsen, and you may incur additional medical expenses. 

If your injury is severe or requires long-term treatment or rehabilitation, you may be entitled to compensation for your medical bills, lost wages, and other related expenses.

Seek Legal Advice on Next Steps, If Necessary

If you are unable to work due to your injury, you may want to consider seeking legal advice. An experienced car accident law firm phoenix az attorney can help you navigate the legal system and determine the best course of action to pursue compensation.

They will help you gather the necessary evidence and file the claim on your behalf.

Be Aware of Any Potential Long-Term Effects of the Injury

In some cases, injuries can have long-term effects that may not be immediately apparent. For example, a head injury can have cognitive effects that may not manifest for days or even weeks after the initial injury. 

It’s crucial to understand the potential long-term effects of your injury so that you can be prepared for any future medical expenses or loss of earning capacity.