Have you been involved in an accident that wasn’t your fault and are considering taking legal action? Below is a short summary of the type of accident claims and circumstances you might be able to claim for.
Road Traffic Accidents or RTAs
RTA’s amount to a size-able percentage of all the combined personal injury and accidental injury claims throughout all of the United Kingdom, and every driver of a vehicle on the UK roads has to have at least some level of motor insurance policy.
If you hold a UK drivers license then you must have insurance if you plan to drive on the roads and the type of cover should be either Fully Comprehensive (fully comp), Third Party Fire and Theft or Third Party only.
These types of insurance policies give protection for anybody that might unfortunately become caught up in a traffic collision, subsequently suffering some type of personal injury as a consequence of the motor vehicle driver’s carelessness and might require to put forward an accident compensation claim irrespective of whether the driver’s carelessness has resulted in a police criminal prosecution.
Should it be found that a careless driver had insufficient or no insurance cover when the accident occurred, you might still have the capacity to make an accident injury compensation claim nonetheless.
RTAs – The Driver
A driver can put in an accident injury compensation claim regarding any loss and injuries if there was somebody else that’s at fault regarding the accident.
It is frequently another driver that is at fault. However, sometimes an accident could have been instigated by the actions of somebody else or other scenario. For instance it could be that the roads weren’t gritted properly, resulting in them remaining icy and in a dangerous state. A road accident claim could be filed versus the authority in charge of maintaining the highways.
If a cyclist or pedestrian were found to be accountable for an accident, an accident compensation claim may still be produced despite the fact that the offending person might not have sufficient or any specific insurance cover. Even so, in these situations it will not always be worthwhile making such accident claims.
RTAs – The Passenger
A passenger that has been involved in some form of road accident in practically all scenarios can put forward a successful accident compensation claim for damages or injuries in which they have sustained personal injuries.
Passengers are typically deemed as blameless casualties that suffered due to another person’s negligence. Nevertheless, failing to adhere to the law regarding the wearing of any seat belt might have an impact on the degree of compensation received in any pay out.
RTAs – The Pedestrian
A pedestrian can likely receive damages payment by way of an accident injury compensation claim for any injury should they be able to prove that their injury or injuries happened completely or at least to some degree by somebody else, or a third party. However, should it be that a pedestrian is held partly at fault for the accident, they might nevertheless be eligible for some degree of accident compensation.
RTAs – The Cyclist
Should a cyclist be involved in an accident and there is a third party at fault, an accident claim could be made against the offending third party. Together with receiving payment for your personal injuries, you might also have the ability to recoup losses with regard to any damage to your clothes or bike along with any loss of earnings you might have by starting an accident claim.
RTAs that involve animals
Unfortunately, animals that have found their way onto our roads can and do cause road accidents. The owners of livestock, for example horses or cattle are responsible for the road users safety by sustaining proper levels of protection with regard to their livestock.
If it may be proven that an owner of the animal or animals involved in a road accident failed in their responsibility to sustain a secure environment for UK road users, an accident compensation claim may well be brought against them.
Have you been involved and injured in some form of accident at work? If so it’s going to be required for you to clearly show that your personal injuries were due to the carelessness of ones employer prior to pursuing an accidental injury claim.
Your employer is furthermore accountable for the decisions of co-workers that contribute to accidents that have caused personal injury. Keep in mind that you’ve also a duty in making your employer advised of any incidents that happen while you’re at your place of work.
Any accident details need to be correctly documented in the companies Accident Book. You should be aware that your employer can’t end your employment if you ever make an accident claim for compensation.
Work related diseases
A working environment can sometimes mean that workers may suffer diseases as a consequence. Even though these diseases might not be apparent right away, signs and symptoms might develop later on in life.
While in standard conditions a personal injury claim has got to be made within 3 years, starting from the date the injury or illness were caused, this time restriction can be extended should you have not been aware regarding the cause of the symptoms you have experienced until some time in the future.
There are really an almost countless number of variables that play a role in accidents that have involved work place machinery that can result in a genuine accident compensation claim. By way of example badly maintained or managed equipment, or poorly skilled staff can be a cause, along with many others.
Slipping, tripping or falling whilst at work
Sometimes when we have silpped, tripped or fallen at work it isn’t because we are just careless. Sometimes, a slip, trip or fall accident in the workplace happens because your employer’s have failed in their responsibility to adhere to existing safety standards with regard to hazards in the place of work.
If this is what has happened you can now make an accident claim. Your employer always has a duty to make certain that your place of work is safe and not hazardous in any way.
Should you have suffered any personal injury because of lifting while you are at work, it could be that your injury was due to your employer’s failure in providing you with sufficient training or the correct manual handling apparatus.
Your employer is obliged to make sure that your place of work is safe from potential hazards. Regrettably often times this can be in dispute. Should you choose to file an accident claim then you ought to get expert assistance.
Property and land owners have a duty to make sure that any visitors are safe from accidents or injury. In the majority of cases an insurance policy will give cover to make sure that anybody that has unfortunately been injured will have the ability to make a personal injury claim.
Slipping, tripping or falling whilst in a public place
If an accident occurred because of a defect in a pavement or pathway, such as a pothole or obstacle the chances are you’ll have the ability make an accident injury claim against whoever is in charge of maintaining the pavement or pathway.
Despite the fact that slips, trips or falls are frequently the cause of many kinds of very painful injuries, should you be to some amount to blame for bringing about your injury, it’s less likely you will manage to make an accidental injury claim.
Restaurants, Stores and Shops
Retail store owners and retail store managers are duty bound to make sure that their premises don’t offer any slipping hazards.
Warning signs should be put in place to make sure people are aware and keep clear of any wet floors or surfaces that may be hazardous to them.
You may be entitled to make a claim for compensations if you have suffered an injury due to wet floors or surfaces in some form in a retail store.
It has been known for faulty goods or products to have caused people varying degrees of injury, and in rare cases even death.
In the event you might have been injured or hurt because of buying defective consumer merchandise, then you could have the ability to make an accident claim from the products manufacturer or supplier, along with any individuals or companies through which channels the product might have passed.
Other forms of accident claims
There are many other types of accidents that you may be entitled to claim compensation for. These can include accidents while on holiday, both home and abroad.
Sporting injuries may also be claimed for if for example a poorly maintained playing surface leads to an avoidable injury.
Whatever kind of accident you have, if you think you may be entitled to claim compensation then always seek professional advice.