Accidents can occur at the worst of times and if you don’t have adequate cover, you might find yourself paying for the medical bills out of your own pocket. Obviously people will get injured from time to time but if you find yourself in a serious accident that wasn’t your fault, or if you are working in a dangerous environment, you might want to consider Personal Injury Cover. We cannot always guarantee our safety or the safety of others, so personal injury cover is a way of being able to claim compensation in the event of a personal injury.
So what constitutes a personal injury and why should I have personal injury cover? Does it help me in any way? Here, we take a look at the facts and how personal injury cover can assist you in times of need with the help of Chichester based personal injury lawyers George Ide LLP.
What constitutes a Personal Injury?
A personal injury is any type of serious or fatal injury that may place you or your family members in a difficult financial situation. Accidents often happen when you least expect them, so it is important to be properly covered in the event of a serious injury or a fatality. Personal Injury cover ensures that when a claim with a good foundation is made, you receive the support needed on the road to recovery, or you receive adequate compensation to deal with an accidental death. It is all about making sure you are not at a loss as a result of the injury.
Personal Injury Cover
Personal Injury cover can be included in a wide range of insurance policies including home, car and even sports, travel and business policies. Some online insurers also offer personal injury cover on its own, whereby if you are injured or killed as a result of an accident, you or your family receive a cash sum as compensation.
Many of these compensation claims are paid in a single tax-free lump sum, but in some cases, non-fatal accidents may have a series of repayments to be given over the course of several months. The size of the compensation depends on the severity of the injury and claims can be made on multiple injuries if necessary.
It is important to realise that personal injury cover that is associated with car insurance or a business policy is tied to incidents relating to that cover; i.e. work related incidents or car related injuries. If you choose to invest in standalone insurance, you will be covered for a wide range of different instances and accidents.
Making a Claim
In order to make a personal injury claim, you will at first need to locate a solicitor who will be willing to take on your case, if you do not have your own solicitor. Once you have explained your case to your solicitor, including providing the necessary documents, your solicitor should be able to give you an idea of how likely your claim is to succeed. You will need to provide your solicitor with a number of documents in order to give them all the information they need when compiling the report on the claim.
In order for your solicitor to make a valid assessment of your claim, you will need to provide them with information regarding the date of the accident, where and how it occurred as well as the contact details of any witnesses on the scene. You will also need to document the details of any injuries suffered, including a medical diagnosis of the injuries and suggested treatment. You should mention whether you are a member of a trade union as this may entitle you to free legal representation.
The solicitor may also ask to see proof of any loss of earnings and any financial difficulties as a result of your injuries and any documents relating to personal insurance policies to ensure that they cover the legal costs of your claim. The solicitor will then send a claim letter to the defendant, making an estimate of the value of your claim. This can be settled in or out of court, depending on the defendant’s actions.
Whether you have recently suffered from a personal injury that wasn’t your fault, or you are looking at all the facts before deciding on personal injury cover, it is important to do you research before choosing a certain type of personal injury cover as it might not be the best for you. There are a number of alternative to personal injury cover, including no win no fee’s claims, trade unions and more. Make sure to look through all your options before deciding if personal injury cover is the tight cover for you.