Liability insurance and making your claim
If you have had an accident or experienced an injury whilst in a public place which was not your fault, you may be eligible to make a claim against the liability insurance held by the person or organisation responsible for your injury. The person or company responsible for maintaining the public area should have taken out a public liability insurance policy to compensate members of the public for any harm they suffer on the property caused by their neglect, so your claim for compensation will be made against that insurance company.
If your accident occurred on public property during the course of your employment, you may have a demand against your employer, depending on the circumstances. Take our 30-second test to find out if the injury you have suffered after being involved in an accident in a public place entitles you to make a public liability insurance compensation claim.
Types of accidents
Some of the most common public liability compensation claims include:
- Slips or trips in supermarkets, shops, car parks, amusement parks and restaurants;
- Injuries caused by dangerous footpaths or pavements, untreated ice and snow, potholes, tree roots, and steps or staircases in disrepair;
- Injuries caused by sharp objects or objects falling from a height in a public place; and
- Broken down fences or other obstructions to the highways or pavements, including unlit skips located on the highway at night, litter and rubbish bags creating a tripping hazard in walking areas, or badly parked vehicles partially obstructing the pavement.
There are also many other circumstances in which you could be injured on public property. No matter your circumstances, if you would like some advice about whether you would be entitled to make a public liability accident compensation claim, just give us a call.
When to claim on liability insurance
To make a successful public liability insurance compensation claim, you would need to prove that another person was responsible for your personal injury. In the above cases, this would be the owner of the property where your accident happened.
To help your case, you should report the accident to the staff or owner at the time, make a note of your accident in the accident book if possible, take names and addresses of witnesses to the accident, and if possible take photographs of the area where the accident happened. In cases involving badly maintained pavements, it would be advisable to put a ruler or a coin such as a 10p or 50p piece standing upright beside the defect before you take the photograph to give an idea of depth and height of the defect in question.
If you are intending to claim expenses as part of your compensation claim, such as prescription costs and travelling expenses, remember to keep receipts as evidence.
If you have been injured following an accident in a public place, you may be able to make a public liability compensation claim. Contact Accident Advice Helpline by calling 0800 689 0500 or 0333 500 0993 from your mobile phone and get started on making a claim today.