No matter where you live in the UK, if you have had an accident that was not your own fault, as a result of which you have been injured and had to seek medical attention, then you should make an injury claim using a personal injury lawyer in Prestwick to help you.
When you make a claim, often at the other end there is an insurance company to settle the amount. As far as personal injury claims are concerned, there are five main types of insurance, and here we are going to explain them.
Public liability insurance
Public liability insurance covers the public no matter where they may be. Businesses and local authorities, as well as health trusts and the like, have this sort of cover. There is no limit on the cover this type of insurance gives.
Product liability insurance
Manufacturers, producers and importers of goods have a legal duty to ensure that the products they sell to consumers are safe, or at the very least that they warn consumers of the potential risks. If they fail in this duty and a faulty product injures you, then your injury claim would be settled by their insurance company.
Motor insurance is probably the best known type of insurance. It covers motorists of any sort while on the road. It is illegal to be on the UK roads without it, and as well as covering the loss or damage to your vehicle it also covers personal injury claims from a third party.
Employers’ liability insurance
Every employer in the UK has a legal duty to protect the welfare, health and safety of their employees while in the workplace. They need to put measures in place to make sure they comply with all the rules and regulation applying to their trade, and if they fail to comply then they could face a personal injury compensation claim. Legally, they have to have a minimum cover of £5 million, but most companies offer cover of up to £10 million.
Professional indemnity insurance
This is for professional persons in case they have an injury claim filed against them in the course of their profession. This would include doctors, dentists and opticians, as well as any staff who work for them.
Accident Advice Helpline and using a personal injury lawyer in Prestwick
Accident Advice Helpline are used to dealing with insurance companies and any other large organisations against which an injury claim may be made. After more than 15 years of doing just that, we have the experience and expertise you need to have on your side when making a claim, just like the many thousands we have already helped did.
You can contact us either through the 30-second test on our website, or by calling our freephone helpline on 0800 180 4123. Either way, you will speak to a friendly and helpful advisor who will give you free legal advice about making your compensation claim.