Rankin and Rankin Law Firm - Work Injury Claim

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

Each day most of us get up and head to work expecting that today will be just another routine day and that we will return home safe and sound.  Unfortunately, that’s not always the case.  Accidents and injuries while at work can and do happen.

Being injured on the job is a scary situation.  We rely on our ability to earn money to support ourselves and our families.  So, what happens when you get hurt while at work?  Often times that depends on how you react to the situation.  For instance, there are a few important steps you can take immediately after being injured which can help your situation enormously:

  • Report your injury to your employer immediately!
  • Document everything and keep detailed records
  • Seek prompt medial attention to receive treatment and obtain appropriate documentation
  • Seek legal representation to make sure your rights are being protected to the fullest extent

But My Employer Doesn’t Have Workers’ Compensation Insurance!

Relax, you have rights as an employee and as an individual.  Just because you employer does not have workers’ compensation insurance does NOT necessarily mean that you can’t recover for the injury you experienced on the job.  Each circumstance is different and, depending on the facts of your potential case, there may be multiple methods or possible ways by which to ensure you get the help you need.  It’s important to speak with a competent and experienced attorney, such as those at Rankin & Rankin Law Firm, to figure out the best way to handle your unique situation.  Depending on what happened and the method of recovery, you may be entitled to:

  • Full reimbursement for medical expenses
  • Lost wages and possibly future lost wages
  • Compensation for your pain and suffering
  • Even “punitive” damages (whose aim is to punish those responsible for you injuries)

Examples of Other Possible Methods of Recovery

  • ‘Self-Insured’ Employers:

Depending on the facts of your potential case, your employer may be subject to the provisions of the South Carolina Workers’ Compensation Law.  As part of that law, most employers must purchase workers’ compensation insurance or provide proof to a commission that they are financially able to pay compensation themselves.  Your employer may have chosen that second option.

  • Government Funds:

There are funds which have been established by the government which may be able to compensate you for an on the job injury, such as the South Carolina Workers’ Compensation Uninsured Employers’ Fund which provides a method of recovery even when your employer doesn’t carry workers’ compensation insurance.

  • Civil Suits:

Is your employer not covered by the South Carolina Workers’ Compensation Law?  Was the injury you sustained the result of an intentional act or negligent act by the employer or other employees under the employer’s control?  Speaking with an experienced and knowledgeable attorney can help you determine the answers to these question and help to determine if this, or any other method, is the best way to handle your specific situation and get you the help and compensation you deserve.

Contact Us Today!

Filing claims, dealing with employers and medical providers, and generally making sure your rights are protected can be daunting to say the least.  You need someone on your side.  Fortunately, having knowledgeable and experienced legal representation can make all the difference.  We at Rankin & Rankin understand that being hurt on the job is a tough and stressful situation to be in, and we would like to help.

If you’ve been injured while on the job, you should contact us at Rankin & Rankin immediately so that we can put our knowledge and experience in this area to work for you.  Schedule your FREE CASE EVALUATION by calling 843-248-2405 or by filling out the form below.

Rankin and Rankin Law Firm is located in Conway, South Carolina and serves the entire Lowcountry area including Horry County, Myrtle Beach, Georgetown, Charleston, and Hilton Head, SC.

Contact Us Today. We can Help!

Your Name (required)

Your Email (required)


Your Message

Leave a Reply

Your email address will not be published. Required fields are marked *