Albert was driving to pick up the office mail from the post office when another driver ran a red light and smashed into the driver side door. Albert was transported to the hospital and spent several days there recovering from his injuries.
Workers' compensation paid for Albert's medical treatment and his time away from work, costing the insurance company well over $100,000 and ultimately increasing Albert's employers experience mod. Did it have to be that way? Did the disaster that Albert suffered also have to wind up hitting his employer in the wallet? Maybe not.
In this kind of situation, workers' compensation will always be primary and will start paying the bills right away. However, when a negligent third party is involved, the insurance company can subrogate to recover that money.
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