Handling Workplace Injury Insurance for Forklift Operators
One of the most frequently used vehicles in an industrial complex is the Forklift. They are an ideal way to transport large volumes of massive inventory within a warehouse, recycling plant or a manufacturing plant. Because of the load that they carry, forklifts are often the cause of some accidents. Sometimes mild while at times it is devastating. It is projected that close to a hundred people die and thousands more are injured every year due to forklift-related accidents.
Employers in most parts of the both the developing and developed world are required by the law to provide compensation insurance to workers who are involved in such jobs. These employees are eligible to receive compensation from the insurance company without considering whose fault caused the accident. In addition to this, depending on the kind of accident, the injured employee is also entitled to a personal injury claim if the crash was caused by an error of the manufacturer or the contractor. On the other hand, most workplace contracts restrict the injured employees from suing the employer for additional compensation over and above what is offered by the insurance cover. It can be seen as a violation of employee rights and freedoms.
An employee is free to sue the forklift parts manufacturer for the defective product. However, proving to the insurer that the forklift has a defect is a very long and complicated process. It is always advisable to read and follow all the safety guidelines provided in the forklift manual on how to handle this situation. In addition to periodic inspection, as an employee who could be at the receiving end of a potential accident, always make it a point to identify any damages to the vehicle and replace them with new forklift seats and forks from reputed manufacturers.
How to Initiate Claim
When one gets injured while at the workplace, he or she should immediately inform the supervisor. It is highly recommended that one seeks medical attention at that very moment. After seeking medical attention, you should, under the guidance of the supervisor, fill up the appropriate injury report form. Assistance from family members and friends may be sought if one is unable to do it by him. At this point, if you are in need of long-term medical attention, you can enquire from your employer if you can choose a doctor.
Regular employees are entitled to accident leave of up to 30 days in most employment agreements. However, contract employees may have fewer luxuries depending on what is mentioned in their contracts. It is important to have a lawyer who you can consult with in case your rights are violated.