You are eligible for workers' compensation if you are an employee (not an independent contractor) and you are injured on the job. You must be injured while performing your job duties. For example, if driving a vehicle is part of your job, then you may be entitled to compensation if injured in a motor vehicle accident. Workers' compensation is a form of no-fault insurance where employers have agreed to accept the risk of employee injuries as part of doing business. It does not matter if you were at fault for the injury. In exchange for the employer’s waiver of various defenses, employees agree to waive recovery for pain and suffering. The Workers' Compensation law is designed to compensate the employee for the wage loss they suffer as a result of an on-the-job injury. Compensation is also paid for permanent physical injury. Employers are also responsible for payment of all medical expenses directly related to your Workers' Compensation injury. If your employer claims you are not disabled or that your injury was not work-related, you have the option to ask the State Board of Workers' Compensation for a hearing that will go before an Administrative Law Judge who will decide your case. The State Board also provides a mechanism for ruling on disputes over medical care. There are no jury trials in Workers' Compensation.