If you have been injured in an accident that was not your fault within the last three years and your injuries needed medical attention, you are entitled to compensation from the guilty party. It is most unlikely that they will freely offer you the compensation, and so you have to claim it from them. This is achieved by applying for person injury compensation, usually with the help of a reputable claim management company.
At the other end of a personal injury claim there is usually an insurance company or some other large organisation. Most accidents are covered by insurance, except when they are against a government department or agency, which do not normally have this sort of cover. These days it is possible to insure most things, providing you are happy to pay the premiums. There are some insurances that are involved with personal injury claims more than others.
It is illegal to drive on UK roads without this type of insurance.Whatever level of motor insurance you buy, it will include third party cover. It is this part of the insurance that will settle with you when you want to make a claim for injury compensation
Employer’s Liability Insurance
All employers in the UK have a legal duty to protect the health and safety of their employees while that are work. If an employer fails in that duty and an employee is injured through their negligence, the employee would be able to make a personal injury claim.
Product Liability Insurance
This insurance covers suppliers of goods in case a defect in one of their products causes harm to a consumer. It does not matter how small or large the product is, or if you brought it yourself or it was a present. They have a legal duty to ensure that the products they supply are safe, and if they do not do so, they can face a personal injury claim.
Public Liability Insurance
This insurance covers anywhere the public might go. Shopping centres, theatres, hairdressers, parks or anywhere else the public venture, legally have to buy this insurance which has limitless cover attached to it.
Professional Indemnity Insurance
Most professionals have this insurance to cover them in case a claim is made against them in the course of their profession. Doctors, nurses, dentists and most other medical practitioners will have this type of insurance, which is either insisted on or highly recommended by their professional bodies.
Dealing with Insurance Companies
Insurance companies are notoriously difficult to deal with. They have complex forms to be completed and ask questions in such a way that you could reply in several different ways. The specialist injury lawyers at UK Claim Lawyers are used to dealing with them, find their forms no problem and will answer any awkward questions before they are even asked.
They know how to present the claims to them and over the last 10 years have made many thousands of successful claims where an insurance company was involved.