Making an insurance claim if you have an accident
Some people might argue that the whole point of having an insurance policy (and paying what often feel like excessive premiums in the process) is so that you can make an insurance claim if you have an accident.
Of course, this is often the case. If you have insurance then it is there to safeguard against the worst possible scenario.
However, making an insurance claim if you have an accident is not always easy, and not always the right thing to do.
Accidents in the home
Take an accident in the home for example. If you have suffered an injury within your own home then there is very little chance that you will be able to make an insurance claim if you have an accident in this situation. This will be because your home insurance usually covers the building itself, and then you may have additional contents cover.
You are not covered on an individual basis.
You may very well have life insurance, but you wouldn’t be able to make an insurance claim if you have an accident on this policy – unless it was a severe enough accident that it removed your ability to work and earn an income (and then that is very much dependent upon the terms of the policy itself).
As you can see, making an insurance claim if you have an accident can be exceptionally complicated, and you may find that no matter what types of insurance policies you have in place you will not actually be covered – even if the accident in question was not your fault.
This is where Accident Advice Helpline can help you.
Accident Advice Helpline
Here at Accident Advice Helpline we are a law firm who, for almost 14 years has been on hand to help people just like you win financial compensation after they have been involved in accidents which were not their fault.
It is not about making an insurance claim if you have an accident, it is about getting compensation from the person who was responsible.
For example, take your accident in the home – this may have been caused as a result of a repair that your landlord has failed to conduct, or which was not conducted properly. It could be as a result of faulty or defective equipment (for example a gas stove) or it could have resulted as an error by a trades person (for example scaffolding collapsing and injuring you).
Whatever the situation here at Accident Advice Helpline we can help you make a claim to help recover any loss of earnings, out of pocket expenses and compensation for the injury (and the inconvenience that injury has caused you).
Why not contact us today, or take our 30 second test, to find out how much compensation you could be entitled to? There are no up front fees so it’s 100 times better than using an insurance policy that probably won’t cover you anyway. Or alternatively give one of our friendly professional advisors a call on 0800 689 0500 or from your mobile on 0333 500 0993 and see how much your compensation claim could be worth.
Date Published: 16th March 2014
Author: David Brown