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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.

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This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified workers' compensation lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local workers' compensation attorney to discuss your specific legal situation.

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