Insurance claims are often met with suspicion. Typically the media will focus on bogus claims and people trying to exaggerate the costs involved.
However one thing that is never fully acknowledged is how an insurance claim can prevent accidents in the future and can make workplaces more efficient.
There are certain business practices that need to be followed. Health and safety is a crucial example of this. For example businesses ought to clearly give guidelines on how to safely lift heavy items.
It sounds obvious but if you have a young apprentice working for you they may not necessarily be aware that you are supposed to lift with your knees.
It is a shame that sometimes it takes an insurance claim for people to be made aware of this. A responsible workplace ought to look at this and review their practices in order to ensure that they do not have to pay out compensation at a later date.
Acceptable level of risk
The idea of what constitutes an acceptable level of risk is something that is often debated. In simple terms, some accidents are unavoidable and cannot be attributed to an outside agent – if you don’t look where you are going and fall over, it’s your own fault!
However, compensation and insurance claims are about covering the costs of accidents that are not your fault and most people are smart and honest enough to tell the difference between a silly mistake and something that can be legitimately claimed.
If you were walking normally, slipped on a wet surface that wasn’t clearly signposted and subsequently got injured then you would be able to make an insurance claim. The difference is that this is something that could have been prevented and the simple addition of a sign indicating the wet surface would be all that was needed to prevent the accident happening in the first place.
The same is true in the workplace. If you are expected to do a job and you are not given the correct training or equipment and you subsequently get injured then it is fair to seek compensation because your employer has a responsibility towards your personal safety.
Councils and companies have to make decisions on expenses every day. However there are certain things that should not be skimped on and short-term costs can have long-term benefits.
For example clearing a path in winter and salting it down so that people don’t trip over will reduce the risk of people injuring themselves on your property and in turn reduce the risk of people claiming compensation.
Another important example is equipment. Over time, safety harnesses, fire extinguishers and so forth can get damaged. It is vital that these are repaired and replaced on a regular basis. It is also worth noting that purchasing security systems can reduce your premiums and reduce the need to make an insurance claim.
Why you should contact Accident Advice Helpline
If you have been injured due to an accident that wasn’t your fault then it is worth contacting us.
For over 13 years we have been guiding people through the insurance claim process and giving them the information they need to claim compensation.
The helpline is available 24 hours a day so there is always someone to discuss the details with. To find out more don’t delay, contact us today!
Date Published: October 21, 2013
Author: David Brown