An accident at work can happen to anyone, at any time. The injuries they cause often lead to financial stress because they can force you to take time off work and/or pay out for unexpected expenses. However, if the accident was not your fault, you should be able to claim compensation.
What should I do first?
Your first step should be to seek immediate legal advice from the team here at Accident Advice Helpline. When you make a free, no-obligation enquiry through our Freephone helpline on 0800 689 0500 or 0333 500 0993 from a mobile phone or 30-second test, we will note down the details of your case and assess your chances of receiving compensation. Remember: if you do make a claim, your employer will have an insurance policy in place to pay for your compensation settlement.
What action will you take?
One of our work accident specialists will make contact with your employer, who will pass the details of your claim over to their insurance company. The insurer will then begin to investigate the circumstances surrounding your accident to determine whether they should accept responsibility on your employer’s behalf.
What will happen next?
The insurer will have three months in which to investigate the accident before writing to us with their verdict. Even if the insurer disputes your Christchurch accident at work claim, we will request further information from them to allow us to carry out more detailed enquiries. We will also gather evidence to prove that your employer failed in their duty to protect you whilst you were carrying out your workplace role. We may, for example, obtain statements from your colleagues and examine your employer’s accident book to determine whether similar accidents have occurred in your workplace in recent years.
In addition to collecting evidence to prove that your employer was at fault, we will obtain medical evidence to confirm that your injuries occurred as a direct result of your Christchurch accident at work. This evidence will take the form of a medical report written by a GP or hospital consultant. We will also seek to gather evidence of the financial losses that have resulted from your accident, including lost earnings, medical treatment charges and travel expenses.
How will you settle my Christchurch accident at work claim?
Once we have obtained all the required evidence, we will attempt to negotiate a fair settlement with the insurer. If we are unsuccessful in our efforts, we will set a date for a court hearing, which may provide the insurer with an incentive to settle your Christchurch accident at work claim out of court.
Date Published: 17th September 2014
Author: Jan Newell