An insurance company is familiar with the workers' compensation system. It can pay benefits and efficiently administer a claim. When there is no insurance, it is difficult for an employer to do this. It will not have the money or understanding of the workers' compensation system. An injured worker will have to bring in the UEBTF, but this is a confusing process. It can also cause a delay in benefits. An injured worker will have to be very diligent in obtaining his or her workers' compensation benefits and at the same time pursuing a civil claim against the employer.