Which insurance will pay an injury claim in Runcorn?
The main types of insurance that will pay for an injury claim in Runcorn are:
- Employer’s liability insurance;
- Product liability insurance;
- Motor insurance; and
- Public liability insurance.
If you want to make an injury claim in Runcorn, the majority of cases will involve an insurance company, as in most situations people or organisations have insurance cover of some sort.
If you are involved in a road traffic accident that was not your fault, it would be the other driver’s insurance that would pay your claim. If the other party was uninsured, your compensation claim in Runcorn would be made with the Motor Insurers’ Bureau (MIB). They are there to make sure that a non-fault victim of an accident does not lose out because of the lack of insurance. All companies that offer motor insurance have to be a member of the MIB. Each year they must pay them a levy to cover the costs of compensation claims because of uninsured drivers.
Employer’s liability insurance
Employers have a legal duty to have employer’s liability insurance with a minimum cover of £5 million. Most insurance companies have an entry level of £10 million. Employers also have a legal responsibility to protect the health and safety of their employees. Most do, but if they do not and you have an accident then you may be entitled to make an injury claim for compensation.
Product liability insurance
If you are harmed because of a defective product, you may be entitled to make an injury claim in Runcorn. Wholesalers and shops are not normally responsible for the safety of goods unless they knowingly sell an unsafe product. The liability lies with the manufacturers, producers and importers to ensure that the products are safe and that consumers are aware of any risks there may be.
Public liability insurance
There is usually no limit on the amount of cover given by these policies. This insurance would be used if you had a slip, trip or fall in a public place and needed to make an injury claim in Runcorn. Shops, offices, cinemas and any other business that the public visit would need this insurance. The same applies to local authorities, government departments and health trusts to name a few.
We will deal with them for you
If you have had any type of accident that was not your fault, Accident Advice Helpline are here for you. We can assist you in making your personal injury compensation claim. Insurance companies are notorious for having complicated forms, asking awkward questions and generally making life difficult for the claimant. Our solicitors are used to this. They deal with insurance companies day in, day out. They have the knowledge and expertise needed to keep the claims process simple and efficient. This will make life easier for you.
We have a 30-second test on this website. It will give you some guidance as to the amount of compensation you may receive. Alternatively, you can call our helpline on 0800 689 0500. You can speak to one of our friendly advisors for free legal advice. From a mobile, the number to call us on is 0333 500 0993.
Date Published: 13th September 2013
Author: David Brown