Injury insurance


The Essential three point guide to an injury insurance claim

There are many components that contribute to a successful injury insurance claim but three essential points form the foundation of all compensation claims and in this essential three point guide we are going to explore them.

1.       Did the accident and injury occur within the last three years?

In most cases, the law states that the accident and injury sustained from it must have occurred within the last three years. This makes time of the essence when making any injury insurance claim. There are many reasons for the three year time limit but generally it is thought that given the fact that many people take many months to recover from an accident and medical teams may need to assess the full extent of the injuries. Three years gives ample time to be able to ascertain on what grounds the claim will be mounted. There are exceptions to the rule. There are numerous grounds on which claims that are proposed are outside of the three year guideline and the primary two are: if the injury insurance claim is being proposed by an individual who was a child when the accident occurred and parents or guardians did not make a claim on their behalf at the time of the accident. These individuals have until the child is 18 years old. The other exception is those who have industrial disease. The reason is that the disease may have been contracted many years before but only comes to light several years later.

2.       Was the accident your fault?

Compensation claims are usually submitted based on the fact that an individual received an injury through no fault of their own; and generally as an act of negligence by a third party, whether it be a negligent employer or a careless road user. Every person an individual encounters in life has a duty to be careful around other individuals by abiding by rules and regulations that govern how we, as humans, interact with each other whether in the work place or when driving.

3.       Did you seek medical advice at the time of the accident in relation to the accident?

As with all compensation claims, medical experts can ratify and verify that the injuries that are forming the basis of the compensation claim are true and form an accurate medical picture of the injuries an individual has sustained. Legal experts will work closely with medical experts to evaluate how much the compensation for an injury insurance claim should be legitimately submitted to the courts. The integrity of both medical staff and legal experts is paramount in compensation claims and the injured party must have sought medical advice as soon after the accident as possible. Accident Advice Helpline (AAH) works closely with hundreds of solicitors who are all experts in their field of the injury insurance claim.

The teams at AAH can be contacted by Freephone or online at their website where individual cases can be assessed and claims can be started if claimants feel it is appropriate. You can give our team a call on 0800 689 0500 or 0333 500 0993 from a mobile to discuss things in more detail.

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Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

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