Llangefni is the county town of Anglesey in Wales. The 2011 census recorded the population as 5,116 people, making it the second largest settlement on the island. The inhabitants will sometimes be involves in various sorts of accidents, and if they are injured in those accidents, they may want to use an injury claims lawyer in Llangefni to seek compensation. At the other end of most injury claims is an insurance company who as part of the premium they charged, have included cover for injury claims.
Explain the differing insurances that the injury claims lawyer in Llangefni might have to deal with
The main types of insurance are:
Employer’s liability insurance
Employers have a legal duty to be covered by employers liability insurance, with a minimum cover of £5,000,000 although most insurance companies have an entry level of £10,000,000. 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 you may be entitled to use an injury claims lawyer in Llangefni.
Product liability insurance
If you are harmed because of faulty goods, you may be entitled to use an injury claims lawyer in Llangefni. 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.
If you were involved in a road traffic accident that was not your fault, it would be the other drivers insurance that would pay your claim, providing they were insured. If not, your compensation claim would be with the Motor Insurers Bureau (MIB) who are there to make sure 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 MIB and each year pay them a levy to cover the costs of compensation claims because of uninsured drivers. It is illegal to drive on British roads without motor insurance and the market is huge.
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 and needed to use an injury lawyer in Llangefni. 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.
We will deal with the insurance for you
If you have any type of accident that was not your fault, Accident Advice Helpline are here to assist you in making your personal injury 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 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 689 0500 from a land line or by dialling 0333 500 0993 from a mobile, and speak to one of our friendly advisers. Call now!