Personal injuries insurance is a specific type of insurance cover that will pay out in the event of an accident, should its conditions be met. For example, if you are seriously injured or even die as a result of an accident, your family will receive a cash lump sum dependent on the specificities of your insurance. This helps to protect your family in certain circumstances, such as if your accident prevents you from working again – meaning there is finance in place to make up for your lack of earnings.
In many cases, you may have a basic form of personal injuries insurance as part of your home or travel insurance policy – it is worth reading the fine print for reference. Car insurance policies will often provide some cover for personal injuries incurred whilst driving your own car – again, it is worth checking this.
Is it a fact that personal injuries insurance is necessary for a personal injury claim?
You do not need to have personal injury insurance in order to make a claim for compensation. Injury insurance is a factor in you receiving a pay out, should you meet the criteria set out in your insurance policy. Compensation claims are different in that there is a sliding scale depending on the severity of your injury, and you will need to satisfy the following criteria in order to start the claims process:
- Your accident will have been as the result of someone else’s negligence
- It will have resulted in medical attention for your injuries
- It will have happened within the past three years
Whereas it is the choice of an individual to take out an insurance policy to provide cover should you be involved in an accident, a compensation claim is a reactive response to a situation that was not your fault, and has caused you harm. It is your right by UK law to be compensated for these types of injuries.
How do I make a personal injury claim?
If you do not have personal injuries insurance but have been involved in an accident, you will likely wish to be compensated for your injuries. If you are eligible, a compensation provider will be able to help you make a claim, ensuring that you have access to the legal experts to represent your case.
To make a claim, you will need to contact a compensation provider such as Accident Advice Helpline who will talk you through the process and offer advice. Once you have spoken to one of our trained, friendly advisors and provided full details of your accident and injury, you can relax as we progress your claim on your behalf. We will provide updates via the telephone and in most cases will not require your attendance in court.
Accident Advice Helpline is endorsed by Esther Rantzen, who works as a consumer champion in the UK to offer you as claimants the peace of mind that we are a trusted compensation provider who will always operate on a no win, no fee basis.
Date Published: 10th February 2013
Author: David Brown