An insurance company will probably settle your accident claim in Lytham St Annes
If you have an accident that is not your fault, and you make an accident claim in Lytham St Annes, there is a good chance it will be an insurance company that pays the personal injury compensation.
The different insurances for an injury claim in Lytham St Annes
The are many different types of insurance policies on offer in the UK but generally it would be one of the following that would deal with your injury claim in Lytham St Annes:
- Motor insurance
- Public liability insurance
- Employers liability insurance
- Product liability insurance
- Professional indemnity insurance
It is illegal to drive a motor vehicle on the UK roads without insurance. In the year to March 2013, there were 188,890 reported accidents that involved people being injured in road traffic accidents and many of those would have made an injury claim in Lytham St Annes. This is why motorists pay the premiums, not just to cover replacing the car, but so any one who is injured in an accident that was not their fault, can be duly compensated. If the other person involved in the accident is uninsured, or untraceable, the claim goes to the Motor Insurers Bureau (MIB). The MIB receives a yearly levy from all companies that offer motor insurance and they use this to make sure the victims of accidents do not lose out because of the lack of insurance.
Public Liability Insurance
Anyone who has dealings with the public has to have this type of insurance. Most policies are never claimed off, but if you have a slip, trip or fall in a public place you would be entitled to make an injury claim in Lytham St Annes. The cover given on these policies is limitless.
Employers Liability Insurance
Most employers have to have employers liability insurance in case of an accident in the workplace. There are a few exceptions but these tend to be government departments of one sort or another. Legally, the minimum cover is £5,000,000 but most insurance companies have an entry level of £10,000,000. If you have an accident in the workplace, it is this insurance that would pay your accident claim in Lytham St Annes.
Product Liability Insurance
If you have goods that are defective and cause you harm, the manufacturer, producer or importer of those goods should have this type of insurance for you to make you injury claim in Lytham St Annes.
We deal with all insurance companies
At Accident Advice Helpline, we deal with all types of insurances for all types of accidents. Our in house solicitors are experts in ensuring that the complex forms they provide, and awkward questions they ask, are dealt with in a proficient manner reducing the amount of hassle for you.
Call our helpline on 0800 689 0500 and speak to one of our advisors, they will help you all they can.