What if I am injured while I am working by a person or entity who is not my employer?
If you are within the course and scope of your employment, you will be covered under your employer’s workers’ compensation coverage. In Texas, if you are in the course and scope of your employment and you are injured by the negligence of a third-party, then you have the benefit of both the workers’ compensation coverage and then, to the extent that there is a negligence claim against a third-party, you can still recover for your personal injuries from that third-party.
For example, if you are a delivery driver involved in an automobile collision resulting in injuries while in the course and scope of your employment, your injuries are going to be covered under your employer’s workers’ compensation policy. You can also maintain a lawsuit against the negligent third-party for other elements of damage if the third-party caused the accident.
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