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If you are the victim of a workplace injury, and your employer is a non-subscriber, you may wonder, How much is my work injury worth?

Payouts often range from a few thousand dollars to several million, depending on the circumstances and degree of the employer’s negligence.

However, determining Texas’s average non-subscriber work injury payout can be challenging.

Since non-subscriber employers are not bound by the state’s workers’ compensation system, there are no predetermined benefits or fixed compensation amounts. 

Seeking the assistance of a skilled personal injury attorney will help ensure you receive the compensation you deserve.

An experienced workplace injury attorney at The Zimmerman Law Firm, PC, can assess your injury’s unique circumstances, gather evidence, and help you determine fair payment.

In short, they can provide invaluable guidance throughout the compensation process. To get started, contact us today.

What Is Texas Non-Subscriber Insurance?

Texas companies that opt out of state workers’ compensation do not have to provide their employees with traditional workers’ compensation benefits.

Instead, non-subscriber employers set their own injury compensation standards. To address this, some employers buy private accident and health insurance policies.

However, non-subscriber insurance isn’t a substitute for workers’ compensation coverage, and the state expressly penalizes non-subscriber companies by stripping them of important legal protections—including immunity from most work-related injury lawsuits.

So while injured workers at non-subscriber companies cannot collect workers’ compensation through traditional means, they can still collect compensation through potential private insurance claims and personal injury lawsuits.

What Is My Worker’s Comp Case Worth? Factors Influencing Compensation for Non-Subscriber Workplace Injuries

The average payout for non-subscriber injuries can vary significantly depending on the circumstances. However, the main factors that determine a Texas non-subscriber settlement amount include the following:

  • The injury itself. The type and severity of the injury and its long-term impact is a crucial consideration that significantly influences the compensation amount. Severe injuries causing disabilities or permanent impairments often result in higher payouts.
  • Medical expenses. The cost of all current and future medical treatments and rehabilitation services related to the injury are crucial in determining compensation.
  • Lost wages. Lost income during recovery and potential future lost earnings factor into a settlement. Thus an employee’s hourly or salaried pay and how much work they miss or expect to miss will affect a settlement.
  • Pain and suffering. Depending on the injury and pain suffered, some injury compensation may include damages for physical pain, emotional distress, and loss of enjoyment of life.
  • Employer negligence. Whether and how much the employer’s degree of negligence or fault contributed to the injury can impact the compensation amount.

How much is my work injury worth? Since the answer to this question isn’t cut and dry, working with a skilled attorney who understands the non-subscriber law and the factors that affect a settlement can help make all the difference.

Contact the Work Injury Experts at The Zimmerman Law Firm

At The Zimmerman Law Firm, PC, our workplace injury advocates pride themselves on providing personal service and aggressive representation.

Over 85 years of shared experience and dedicated know-how have taught us how to maneuver employer tactics and negotiate with difficult insurance companies to ensure you obtain just workplace injury compensation.

We’ve helped thousands of Texans win their non-subscriber workplace injury claims and can help you hold your employer accountable.

Call us today at 254-237-5620 or contact us online for a free consultation.

Author Photo

Michael Zimmerman

Michael was born in Houston, Texas. His education at Baylor and Texas State Universities earned him a Bachelor of Science degree in 1987. His major was in Biology with a Minor in Chemistry. He finished his legal education at Texas Southern University in 1990, earning a Juris Doctorate from Thurgood Marshall School of Law. He was admitted to the State Bar of Texas in 1990.