Workers’ compensation is a no-fault system. This means as an injured employee, you do not have to prove anyone is at fault to be eligible for financial benefits. You can receive a monetary award regardless of whether or not someone else caused the injury through a careless act or omission.
A personal injury claim, on the other hand, requires proof of carelessness, recklessness, or intent to harm for you to hold someone else financially responsible. To file a workers’ comp claim and collect benefits in Florida, you must meet certain requirements. First, your injury or illness must have been caused by work activities.
Second, you must report your injury to your employer within 30 days of the accident. Third, you must cooperate with the insurance investigation. It is important, however, to protect your rights during your insurance claim and remember that an insurance company does not want to maximize your financial benefits.