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Man's verbiage left him without immediate injury coverage

A man in Texas reports that his own way of describing an accident caused his company's insurance provider to deny a workers' compensation claim. The man was left with an injury that kept him from work, causing him to lose his job. At one point, the man had to live in a church because he could not afford to pay rent.

The situation began when the man, who was a truck driver, fell as he was unloading cargo from his truck. The man was unloading pipes with the help of a two-wheel dolly. At one point, the pipes slipped as the man was using force to pull on the cargo. This caused him to tumble backward.

The man is still not sure exactly how he fell as he did, but suspects his boot laces became caught on a rivet of the truck as he fell. That caused his leg to jerk in a weird way, contorting his knee joints. After falling, the man reported that he lay, unable to move, as he felt what was like a hammer hitting his knee.

But when he relayed the incidents of the accident to the employer or insurance company, at some point, the man used a phrase that seemed to indicate that his knee gave out. The insurance company reported that a knee giving out was not consistent with a work-related injury. The company denied his claim.

The man was able to finally have surgery to correct his injury and did collect in a lawsuit. But one attorney reported that this is not a single incident, and that it happens to many people. The case is a warning to be careful how you explain an accident during an employer or insurance company investigation. If you are denied coverage for a workplace accident, then seeking third-party legal assistance might be the only way you could see financial compensation in the future.

Source: HoustonPress, "Don't Fall Down on the Job in Texas: Employers Don't Have to Provide Injury Coverage," Meagan Flynn, Feb. 02, 2016

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