The role of the insurer in workplace injuries
One misunderstanding which can surround an injury claim for a work accident is the idea that the employer will necessarily be left out of pocket, or that colleagues will be worse off if you process for injury claim for a work accident. In reality, this is not always the case.
Under the law of England and Wales (and, on this point, the law is very much influence by the law of the European Union), an employer is required to provide insurance coverage for both their own employees and the general public. There are several reasons why this is so:
- To avoid a straw man situation where, for instance, an injury claim for a work accident is successful but the injuries are so catastrophic that the employer cannot actually afford to pay the full compensation, depriving the injured person of their legal entitlement;
- To force companies to focus on the possibility of an injury claim for a work accident and encourage them to work hard to improve the safety of the workplace;
- To prevent jobseekers from being manipulated out of a safe workplace environment by unscrupulous employers, and so stop a ‘two-tier’ spread of jobs;
- To ensure that the insurance industry, which is extremely lucrative and financially important, maintains a degree of stability by controlling supply and demand; and
- To actually reduce the burden on employers in the case of an injury claim for a work accident by ensuring that they have some measure of security.
Injury claim for a work accident — the employer
This final point might well be the most important, because it reminds us that the presence of insurance is deliberately designed to prepare the employer for the possibility of a work accident and make the cost more manageable so that the employee receives justice, but that the business is simultaneously able to bear the burden of the compensation – usually without overwhelming financial hardship. It is thought that this approach best strikes the balance between business effectiveness and the rights of injured people.
If you have been injured in an accident at work, then you, like many thousands of others over the last 15 years, should contact Accident Advice Helpline today for support and assistance. Just call 0800 689 0500 (or 0333 500 0993 from a mobile) for a no-obligation chat today.
Date Published: 20th August 2013