Personal accident insurance is just one of many different insurances available these days. In fact, as long as you are prepared to pay the premium asked, there in not much you cannot insure.
Most of us have motor or household insurance, and some of us will even have our pets insured. Then there are policies that cover your bills if you are off work ill, and others that will pay a nice lump sum if you find you have a critical illness. Then of course there is personal accident insurance, to help you pay your way if you have to have time off work because of an accident.
Many of these different policies include third party cover, in case someone makes a compensation claim against you if you cause them to be injured in an accident that was your fault.
By the same token, if you are the injured party and someone else was responsible for your accident, your compensation claim would more than likely be settled by their insurers.
You can still claim compensation, even if you have personal accident insurance
It does not matter what insurances you have, because if someone else causes an accident you are injured in, it will probably be their insurance that settle your claim. But the first thing we have to do is make sure you fit the legal criteria for compensation, which is:
- You must have been in an accident that was not your fault
- You must have been injured in the accident
- Your injuries must have needed medical attention
- The accident should have happened within the last three years
As long as this is your situation, do not let the prospect of dealing with these large concerns put you off making a claim. At Accident Advice Helpline we deal with them every day. We know how they like the claims presented, and what awkward questions they will ask before the ask them.
Let us handle your claim for you, and it will be simpler than you think it might be.
No-win, no-fee claims with Accident Advice Helpline
We work on a no-win, no-fee basis, which means you will not have to pay us any money to get your claim started. If you would like to know more about how we can help you win your compensation, call and have a chat to our friendly advisors. From a landline call 0800 689 0500 or from a mobile ring 0333 500 0993.
As there is no money needed to start your claim, and we give free claims advice, you have nothing to lose by calling us right now. You won’t need to claim on your personal accident insurance if someone else was to blame for your injuries.
Date Published: 7th February 2013
Author: David Brown