In most states, the workers' compensation system operates as a kind of private insurance system. Typically, companies contract with third-party insurance carriers who offer workers' compensation policies in return for the payment of premiums. After a worker is injured, he or she submits an accident report and other documentation, which the insurance company reviews. Based on this information, as well as medical reports and other data, the insurance company will approve or deny the workers' compensation claim. However, if a denial is issued in the case, the injured worker has the right to follow up by filing an appeal with the state board of workers' compensation. In most states, the injured worker is granted the right to a hearing, in which the facts of the case are reviewed and evidence can be presented by both sides. In some situations, the injured worker also has the right to pursue additional appeals if the case is denied by the state board.