How much could you claim?

Find out in 30 seconds...
Injured in the last 3 years?
Was the accident your fault?
Did you recieve medical attention?
Please tell us where you were injured
  • Please enter your full name
  • Please enter a valid name
  • Please enter your telephone number
  • Please enter a valid telephone number
  • Please read our Terms & Conditions

    "If you've been injured through no fault of your own you could be entitled to compensation. If you're unsure if you could claim, I recommend you call Accident Advice Helpline."

    Esther Rantzen

    Injury claim for a work accident

    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

    Author: amcoomer

    Accident Advice Helpline (or AAH) is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England and Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority with licence number 591058 and regulated by the Financial Conduct Authority.

    Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

    No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client's request.