In states other than Texas, most ordinary employers are required to carry workers’ compensation insurance. If your employer has violated the law, you generally can bring a third-party personal injury claim against it. This is because the employer has waived its protection against personal injury liability by failing to get workers’ compensation coverage. (You may be able to get more compensation through this type of claim than through the workers’ compensation system.) Another alternative is to seek benefits through the state workers’ compensation fund or temporary disability insurance program. Many states have created these programs to help employees facing this situation.