Most sports are covered by Sports Accident Insurance
Insurance companies have come forward in the last few years amid some bad press of always looking to not pay out on claims many companies have seen the light and now after careful review will pay out on legitimate claims. There are even new products on the market that just a short few years ago were unheard of. Sports accident insurance is one such type of insurance available now.
It should be made clear that any insurance is always written in favour of the insurance company this mitigation of liability is the job of the underwriter. The job of the underwriter is to mathematically work out the probability of the event being insured against actually happening and then offering a policy based on their assessment. Put another way, insurers do not offer insurance if they think the accident is likely to happen.
That said insurance does have its virtues even if the odds are stacked in favour of the insurance company. The upside is that if a freak accident does happen then the individual can rest easy knowing they will get some money to ease the burden.
This is especially the case with sports accident insurance where sports can be potentially lethal and individuals can partake of their favourite sport knowing that if one of those freak accidents occur and they have to be off work they will at least be able to pay the bills. A few years ago insurance companies would never have even offered the product. Perhaps it is a sign of younger active underwriters who partake of sports themselves and are in need of sports accident insurance for their own purposes.
The fact is without insurance, especially with sports accident insurance where sports like rugby, football and all manner of physical sports are covered by modern policies it could be very wise to have some insurance just in case of a freak accident. A broken leg or arm can lead to weeks off from work and loss of pay which can be devastating.
Companies like Accident Advice Helpline (AAH) can of course help individuals who have been injured in playing sports where negligence is apparent. Even playing a dangerous sport there is a duty of clubs to provide a safe environment and for other players to abide by the rules of conduct governing their particular pastime. AAH work with specialist legal partners some specialising in the particular area of sports injuries and can guide accident victims though the process of an accident compensation claim.
A Freephone call to 0800 689 0500 or from your mobile on 0333 500 0993 or a visit to www.accidentadvicehelpline.co.uk can set the wheels in motion for a compensation claim. The good news is that compensation claims do not have to be for a current injury provided the accident and injury was within the last three years a successful claim could be submitted.
Date Published: 21st January 2013
Author: David Brown