You may be concerned because you or a member of your family has been injured by a product that you have bought. You may have been told about product liability insurance and about making a personal injury claim for compensation. This can be a confusing area to understand. Some simple questions and answers are given here to help you get to grips with this issue.
Common questions on product liability insurance
What is product liability insurance?
This is an insurance policy that companies can take out if they manufacture, distribute or sell products to the public. It basically covers them for any claims that are made against them because someone has been injured by a product.
What sorts of injuries are covered?
All sorts of injuries are covered because products can cause all sorts of injuries. For example burns, cuts, scalds, broken bones and head injuries. A claim can only be made if the injury was not the persons own fault. This means that if you purposely hurt yourself with the product you could not make a claim.
What sorts of products are covered?
All sorts of products are covered and that includes:
- Kitchen products
- Electrical products
- Household products
- Garden products
How can I get advice on whether I could claim or not?
It is best to get advice from people who have a wealth of experience and expertise in this area of law. Many injured people ring Accident Advice Helpline’s 24/7 hotline for assistance. Accident Advice Helpline are a compensation provider who have a team of highly trained, professional advisers who can help you.
Do I need legal advice?
Accident Advice Helpline can put you in contact with one of their national panel of over 200 legal partners. They will be able to select you a personal injury lawyer with expertise in product liability insurance claims.
How much money do you get for product liability insurance claims?
This is very variable. For that reason it is not possible to accurately state exactly how much each claim will amount to. The complex process of assessing all the information can take some time. In general, the more serious injuries attract the higher levels of compensation. Your Accident Advice Helpline personal injury lawyer will work hard to get you a fair level of compensation.
Will I have to appear in court?
A very small proportion of cases do need to appear in court but they are the exception. It is much more likely that your case will be dealt with over the phone. You may have to provide some written information about the product, how you were injured and about the injury itself. Your personal injury lawyer will guide you through this and give you all the help that you need.
Date Published: 26th September 2013