If your employer is a nonsubscriber (does not carry true workers compensation insurance) you may bring suit directly against the employer. You must prove that the injury was caused by the negligence of the employer or its employees. Your damages are not limited to weekly benefits and medical costs and are not reduced by any negligence on your own part. If your injuries are major you should seek legal advice early. Do not sign anything agreeing to give up your right to sue in exchange for payment of other benefits. Claims against smaller employers are sometimes uncollectible if the company is uninsured and insolvent.