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When a worker's injury is classified as work-related, it implies that the employer may be held liable for any injuries sustained during the course of employment. This classification typically means that the injury occurred in connection with the worker’s job duties, which can lead to the employer being responsible for providing workers' compensation benefits. These benefits can include medical expenses, lost wages, and rehabilitation costs for the injured worker.

This classification protects the worker by ensuring that they have access to necessary medical treatment and compensation. It also places a duty on the employer to maintain safety standards and a safe working environment to prevent such injuries from occurring.

The other options do not accurately represent the consequences of a work-related injury. Reporting the injury is essential for the worker to receive benefits; treating it as a personal injury claim is incorrect as work-related injuries typically fall under workers' compensation rather than civil personal injury claims; and merely notifying insurance is not sufficient without reporting the incident and seeking the appropriate worker's compensation process.