Are you fully aware what your accident insurance uk covers, and what your rights and responsibilities are where insurance applies in your daily life?
Car accident insurance UK
The most popular types of car accident insurance are fully comprehensive (fully comp) and third party fire and theft. Fully comprehensive covers losses to your own vehicle and possessions if damaged in an accident, but third party only covers losses for the third party in an accident, or losses resulting from fire or theft.
If you are involved in a car accident, the first thing you should do after dealing with anyone who is injured and calling the emergency services, is to exchange details with the other drivers involved in the accident. Do not admit liability at the scene. It’s better not to comment at all. Inform your own insurance company as soon as possible and let them handle the investigation and negotiation.
Accident insurance UK at work
Employers in the UK have a responsibility under the law to hold Employers Liability Insurance. If you suffer an accident at work and it was not your fault, your employer could be liable. You should check with your professional body or trade union, if you belong to one, or you can seek advice from an expert such as the Accident Advice Helpline.
Other categories of accident insurance
Insurance policies can in theory be taken out for anything, from movie stars’ million dollar legs to Auntie Mo’s Ming vase. The commonest accident insurance UK policies are for
Holiday insurance, especially for extreme sports such as skiing.
Home insurance can include personal liability insurance to cover workmen working in your home.
Public liability insurance to cover public events and promotions and public places.
Accident Advice Helpline
If you have suffered a non-fault injury and you are thinking about making a claim for personal injury compensation under any accident insurance UK policy, why don’t you call us for advice? You can talk to one of our professional advisers on 0800 689 0500 or on 0333 500 0993 from your mobile and see if your claim qualifies. We have been advising people on compensation claims for 15 years and there isn’t much we don’t know about accident insurance UK. So put your mind at rest and contact us today. Accident Advice Helpline has a nationwide network of legal experts who will know about your claim. We are endorsed by Esther Rantzen, the UK’s leading consumer champion and media guru.
Date Published: 22nd August 2013
Author: David Brown