Insurance these days pretty much covers every event where an accident could happen and a compensation claim could be made. There are five types of insurance that Accident Advice Helpline deals with on a day to day basis, but it is possible to insure anything if you are prepared to pay the extra fees. The main types of insurance we have to deal with are below so have a look and see.
Motor insurance – this pretty much speaks for itself. Motor insurance covers pretty much any and every type of accident including a vehicle, and this insurance is the one that most of us will know of. The most basic motor insurance you are allowed on UK roads is third party cover, which is cover for any damages or injuries made to any other vehicle, so this would cover the personal injury claims for compensation if you have caused injuries to another person in a road related accident.
The next on the list is third party, fire and theft – this insurance gives you everything the first one did plus the additional cover of your car being stolen or set on fire. The fullest cover is provided by comprehensive insurance, which covers everything else that has been already mentioned plus any damages to your own car.
Employer’s liability insurance – with just a few exceptions, like government departments, this insurance is something that all employers have to have legally in case an employee is injured in a work related accident or contracts an industrial disease through their job.
Public liability insurance – this insurance is to pretty much cover everyone and anyone that goes into a public place. It could be anything from a cinema to a restaurant, a library to a theme park, a shopping centre to anywhere else the public visit; they all have to have this insurance to cover them in the case of a personal injury claim being made against them. This is a relatively cheap insurance compared to all of the others in this list that gives completely limitless cover.
Professional indemnity insurance – most professional people have this cover if they are smart, just in case of a claim being made against them in the course of their job. This includes medical professionals in case you need to make a medical negligence claim.
Product liability insurance – all manufacturers, producers and importers have to make sure that any items sold to customers are completely safe and if they fail at this duty and someone is injured because of faulty items they have sold/imported/produced, the injured party may be able to make a personal injury claim and it is this insurance that would settle the claim.
Looking for a lawyer in Tavernspite?
We do not have a personal injury lawyer in Tavernspite working directly for us but this doesn’t matter, we can still help you claim as we are a national injury law firm that covers all areas of the UK. So if you need a personal injury lawyer in Tavernspire or anyway make us your first point of call.
Call us today on our helpline on 0800 689 0500 from a landline or dial 0333 500 0993 from a mobile.