If you are injured on the job and your employer does not offer workers’ compensation, contact a personal injury attorney immediately.
State law says that any employer who fails to provide workers’ compensation can be held liable for all damages sustained by the employee even if they are only determined to be 1% responsible for causing that employee’s injuries.
Most employers who have opted out of providing workers’ compensation understand this law. Because of that, they may scramble to offer something like workers’ compensation to mitigate their liability. Do not be fooled into signing your rights away. You have no obligation to accept their offer or to see a company-selected doctor, and any offer that comes from such an employer after an injury occurs will be well below what they are actually liable for.