When you're injured at work, the last thing you want to worry about is how to pay for your medical bills. But in Texas, the law is different from most other states – and many workers are shocked to discover that they aren’t covered by workers’ compensation. If you're working in construction, oilfields, or other physically demanding jobs, this reality can hit hard.
Texas Employers Are Not Required to Carry Workers’ Compensation
Unlike other states, Texas does not require private employers to carry workers’ compensation insurance. Many construction companies and oilfield contractors opt out of the system entirely. These employers are called “non-subscribers.”
So what does that mean for you if you're injured on the job?
You Might Have to Pay Out of Pocket
If your employer doesn’t carry workers’ compensation:
- You may be responsible for your own medical bills.
- You’ll likely have to use your personal health insurance, which may come with deductibles, co-pays, and coverage limits.
- Lost wages? You may not get reimbursed at all unless you have short-term disability insurance or win a legal claim.
- Out-of-pocket expenses can pile up, especially if your injury prevents you from returning to work for weeks or months.
You May Still Have Legal Options
Here’s the good news: If your employer’s negligence contributed to your injury, you may have the right to file a personal injury lawsuit. This is not a workers’ comp claim – it’s a legal case against the company.
You could be entitled to:
- Full medical expense reimbursement
- Lost wages and future income
- Pain and suffering
- Permanent disability compensation
But these cases are complex and require strong legal representation. That’s where Garza Martinez Law comes in.
Why Call Garza Martinez Law?
At Garza Martinez Law, we specialize in representing workers injured in:
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Construction site accidents
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Oilfield and rig accidents
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Workplace falls, burns, and equipment failures
We don’t handle workers' comp—because Texas employers don’t always carry it. Instead, we focus on fighting for injured workers when their employer is at fault and there’s no safety net.
We understand the burden you’re under. Mounting bills. Lost wages. Physical pain. Uncertainty. We’re here to help you take back control and pursue the compensation you deserve.
Don’t Pay the Price for Your Employer’s Negligence
If you were hurt on the job and your employer doesn’t carry workers’ compensation, don’t assume you’re out of luck. Let us review your case and explain your rights.
📞 Call Garza Martinez Law today at (956) 335-4900