What If My Employer Failed To Obtain Insurance?

If your employer was required to obtain workers` compensation insurance and failed to either obtain insurance or become authorized to self­insure its liability under the law, and if you have sustained an injury arising out of and in the course of your employment with that employer, you have the right to either sue your employer in civil court for damages (if you can prove your employer was negligent in causing your injury) or file a workers` compensation claim against your employer with the Missouri Division of Workers` Compensation. Also, when employers fail to obtain insurance coverage or become authorized to self­insure when required, state law allows the Missouri Second Injury Fund to pay for an employee`s medical bills if the insured employer fails to do so.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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