While most employees in Georgia and across the United States are covered by workers' compensation insurance, railroad workers have a different type of insurance against on-the-job injuries. The Federal Employers Liability Act protects railroad employees and offers compensation for work-related injuries, but it differs from workers' compensation in several ways.
Under FELA, a railroad worker must prove that their injury was caused in part or in whole by a negligent fellow employee or by faulty equipment. Unless they were totally at fault, they have the legal right to sue their employer. Under workers' compensation, workers may be entitled to benefits even if the fault for their injury is entirely their own, but by accepting those benefits, they are giving up the right to file a lawsuit against their employer.