The cost of accidents at work varies, depending on the severity of the injuries and a number of other factors, such as whether the injured employee has had to take time off work as a result of the accident. If you have been injured at work in an accident that was not your fault, you may be able to claim compensation to cover your losses. Your employer should have employers’ liability insurance to cover this.
How does employers’ liability insurance cover the cost of accidents at work?
Employers’ liability insurance is compulsory in the UK. Anyone who employs people is required by law to have the cover. It covers employers against compensation claims that are made against them. It also covers the employer for their legal costs.
Because the cost of accidents at work is covered by employers’ liability insurance, you do not need to worry about whether your employer will be able to cope financially if you make a compensation claim.
How do I claim compensation following an accident at work?
To make a compensation claim, your accident should have happened within the past three years. You must also show that your employer was responsible for the accident. This could be because they:
- Operated an unsafe system of work;
- Failed to provide you with adequate training;
- Did not give you the safety equipment necessary for the task in question; or
- Breached health and safety regulations.
You can find out whether you are eligible to make a claim by taking our unique 30-second online test on Accident Advice Helpline’s website. Alternatively, there is our helpline that you can call on 0800 689 0500, or from your mobile on 0333 500 0993, to discuss your accident. The helpline is manned by friendly and professional staff and is open seven days a week.
Most claims can be dealt with by telephone, and most claimants do not need to attend court. However, you may need to attend a medical assessment to determine the full nature and severity of your injury.
The cost of accidents at work includes an amount of compensation to reflect your pain and suffering. It can also include an amount to cover any wages that you lost because you had to take unpaid time of work as a result of your accident, and other out-of-pocket expenses such as increased transport costs or medical fees.
About Accident Advice Helpline
Accident Advice Helpline have been helping people to claim compensation to recover the cost of accidents at work for over 15 years. Our patron is UK consumer champion and TV celebrity, Dame Esther Rantzen. We have specialist solicitors, all of whom work on a no-win, no-fee basis, which means that you do not need to worry about unexpected legal bills no matter whether you win or lose your case.
We look forward to talking to you.