When individuals experience accidents at work, they are generally covered by their employer’s insurance. When road traffic accidents occur to a volunteer worker, the legalities can differ somewhat – it is essential that the organisation makes this clear before any volunteer hits the road.
Accidents on the road: Making sure you’re insured with public liability insurance
There are a number of variables to consider when offering to voluntarily drive a vehicle. These determine whether you need to invest in your own public liability insurance or you are covered by other means, in the case of a road traffic accident.
When the organisation owns the vehicles you are intending to drive, it is their responsibility to also provide insurance. This includes both vehicle insurance and public liability insurance.
In the case of a volunteer choosing to use their own vehicle to transport others on a voluntary basis, it is essential that your car is fully insured and that your insurer is aware that you are using your car for this purpose.
Public liability insurance will also ensure that should you have an accident on the road, you are covered.
Rather than simply protecting employees, public liability insurance guarantees that anyone involved with the organisation is protected should a death, illness, injury, or accident occur at the fault of the organisation in question.
Injured on the road by a volunteer driver?
If you have sustained an injury through an accident or collision that involved a volunteer driver, you may be able to claim personal injury compensation.
You must be able to prove that the road incident was in no way your fault, and was the fault of the driver and thus the organisation. The accident must have occurred within the last three years.
It is possible to support your claim by taking photographs at the time of the incident, of both the accident itself and your injury, collate a list of witness details and also keep a record of any medical attention or treatment you have received as a result of the injury.
How to process a personal injury claim
Rather than dealing with the complexities of a legal case yourself, it is in your interest to hand your claim over to a team of experts.
A law firm, such as Accident Advice Helpline, are specifically experienced in handling personal injury claims and can ensure that your case is dealt with as efficiently as possible, on a no-win, no-fee* basis.
To discuss your claim with a member of our expert team dial 0800 689 0500 now.
Date Published: December 31, 2013
Author: David Brown
Category: Insurance Claims