Which type of insurance will pay your injury claim in Newmarket?
In the majority of accidents where injuries occur, it is some form of insurance cover that pays the injury claim. There are many types of insurance for all situations, some of them legal requirements under UK law.
The insurances that may be involved in your injury claim in Newmarket
Motor insurance – it is illegal to drive on UK roads without insurance to cover a third party at the very least and providing the other driver is obeying the law, when they cause the accident resulting in your injuries, it is this insurance that would pay your injury claim. If they were driving illegally with no insurance, your claim would be submitted to the Motor Insurers Bureau (MIB).
The MIB exists so that blameless victims of accidents do not lose out because of the lack of insurance. Any one that offers motor insurance has to be a member of the MIB. Each year they have to pay a levy to cover the compensation claims received by the MIB.
Employers Liability insurance – employers have a legal duty to have employers liability insurance. If you have an accident at work, in which you are injured and it was not your own fault, this insurance would pay your injury claim.
Public Liability insurance – any place where the public visit have to have public liability insurance. Even local councils tend to have this in case you make a claim against them for a fall on an uneven pavement, or a pothole that caused you to be thrown off your bike. Basically if a member of the public is involved in an accident, it would probably be this type of insurance that settled your injury claim. There is no upper limit on the cover this type of insurance provides.
Professional Indemnity insurance – this is for the professionals that are sued for damages because of a mistake they made whilst carrying our their profession. This covers many different professions such as accountants and lawyers as well as doctors, dentists and opticians. If a medical practitioner makes an error that causes you harm, it would be this insurance that would pay the injury claim.
Product Liability insurance – this is for manufacturers, importers, producers and anyone else that supplies products to consumers. If someone is injured because a faulty product causes them an injury, the product liability insurer would be liable for the injury claim.
Where to make your claim
All of these insurance companies do not make it easy for the claimant – they have complex forms and ask awkward questions. At Accident Advice Helpline that is not a problem. Our solicitors deal with them day in, day out and will ensure that your claim is handled simply and efficiently, maximising the amount of compensation you receive. Call our helpline on 0800 689 0500 or from your mobile on 0333 500 0993 and talk to one of our advisors to start your claim.