What insurance do I claim against for an Injury claim in Stoke Sub Hamdon?
Stoke Sub Hamdon is a big village in South Somerset. The population there is 2,234. The parish is located near the River Parrett, and includes the village of East Stoke.
If you want to make an injury claim in Stoke Sub Hamdon, nearly all cases will involve an insurance company, as most situations, people, or organisations have insurance cover of some sort. The main ones are:
- Employers liability insurance
- Product liability insurance
- Motor insurance
- Public liability insurance
If you have had a traffic accident and the other party was uninsured, your injury claim in Stoke Sub Hamdon would be with the Motor Insurers Bureau (MIB), which is there to make sure a non fault victim of an accident does not lose out because of the lack of insurance.
If you need to claim against your Employers liability insurance
Employers have a legal responsibility to protect their employees. Most do, but if they do not and you have an accident you may be entitled to make an injury claim in Stoke Sub Hamdon. Employers have a legal duty to have employers’ liability insurance, with a minimum cover of £5,000,000 although most insurance companies have an entry level of £10,000,000.
If the claim relates to Product liability insurance
Retailers and wholesalers are only usually held accountable if they knowingly sell a faulty product. The liability in most cases 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. If you are harmed because of a defective product you may be entitled to make an injury claim in Stoke Sub Hamdon.
A motor insurance injury claim in Stoke Sub Hamdon
It is illegal to drive on British roads without motor insurance. If you were involved in a road traffic accident that was not your fault, you would make your injury claim in Stoke Sub Hamdon to the motor insurers. All companies that offer motor insurance have to be a member of MIB and each year pay them a levy to cover the costs of compensation claims because of uninsured drivers.
Public liability insurance
This insurance would be used if you had a slip, trip or fall and needed to make an injury claim in Stoke Sub Hamdon. Shops, offices, cinemas, and any other business that the public visit would need this insurance, as do local authorities, government departments and health trusts to name a few. There is usually no limit on the amount of cover given by these policies.
If you have any type of accident that was not your fault, Accident Advice Helpline is here to assist you in making your personal injury compensation claims. 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 and have the knowledge and expertise needed to keep the claims process simple and efficient, making life easier for you.
We have a 30-second test on our website which will give you some guidance to the amount of compensation you may receive, or you can call our helpline on 0800 180 4123, and speak to one of our friendly advisors.