Quite often, when innocent victims make a personal injury claim in Ribble Vale, it is an insurance company that settles the claim. Most events are covered by some sort of insurance, and we all pay for this as part of the premiums they collect from us every year.
There are not many things you cannot insure these days, as long as you are prepared to pay whatever premium they require, but there are five main one that are involved in personal injury claims.
Motor insurance for your personal injury claim in Ribble Vale
It is illegal to be on UK roads without some form of motor insurance. Even the most basic of these, third party, pays damage if you cause an accident, and pays for compensation if you caused someone to be injured through no fault of their own.
Employers liability insurance for your personal injury claim in Ribble Vale
All employers in the UK have a legal duty to protect the health and safety of their employees while they are at work. If they fail in this duty and you are injured in an accident at work, it is this insurance that would settle the claim. The main exception to this is if you work for a government department or agency, as they are exempt from the need for insurance and settle claims out of their own funds.
Public liability insurance for your personal injury claim in Ribble Vale
Anywhere the public venture should have this insurance. It does not have to be someone where thousands of people go, it could be an office they the public just go to occasionally, they still need to be covered in case someone is injured through no fault of their own.
Professional indemnity insurance for your personal injury claim
The medical profession use this type of insurance, in case they make a mistake that causes someone a problem, and they have a claim made against them. Most of our medical professional are very highly trained, but they are human and sometimes an error occurs. Unless they are employed by the NHS, it would be this insurance that settles your medical negligence claim.
Product liability insurance for your personal injury claim
Makers and importers have a duty to ensure the goods they supply to consumers are safe. If they fail in this duty and someone is injured because of a faulty product they have supplied, it would be this insurance that settled the claim
Accident Advice Helpline for your personal injury claim
Some people steer clear of making a claim because of the prospect of having to deal with these large companies, but for us it is not a problem. We deal with them every day of the week, and if you make your claim with Accident Advice Helpline, you will not be dealing with them at all.
Call our freephone helpline on 0800 689 0500 or 0333 500 0993 from a mobile phone for free, no obligation advice about making a claim. to find out more about our ‘no win, no fee’ services, and how we can help you with your personal injury compensation claim.