A couple of reasons I'm attending Council mtgs. tomorrow...

[P-PANTHER a/k/a La Pantera]

Just had to laugh at the previous response. I was waiting for someone to catch it.

A workers comp claim is indeed an isnurance claim. My understanding is that defining what in the scope of employment means (for wc claims), as opposed to proving negligence on the defendants part (civil suit), is the primary difference, along with the fact that the Ind. Comm. has charted the value of each injury, as opposed to a jury or settlement agreement determining the recovery amount in a civil suit.

In essence, an employer pays wc insurance to limit his liability but is liable for injuries occassioned in the scope of employment, irrespective of fault.