Work injuries are different. In Minnesota, when you are hurt at work, you instantly have several potential claims for medical treatment, lost wages, etc., against your employer's insurance company and the policy it is required by law to have. Your injury rights arise from Minnesota's Workers' Compensation Act and are enforced through Minnesota's Department of Labor and Industry ("DOLI") and Office of Administrative Hearings ("OAH"). This is true regardless of fault, even if you caused your injury through your own negligence.