Accident insurance

 

Accidents can happen to anyone at any time, in all sorts of unforeseeable circumstances and settings. Accident insurance is a product offered to cushion the financial blow of accidents. Accident insurance is particularly relevant for those accidents that occur where it is difficult to establish and prove that someone else was at fault.

Personal accident cover is often included in private medical insurance, and in motor, travel, sports, home and business cover. One of the most common types of accident insurance is motor accident insurance. If you are at fault in an accident, so long as you fit within the policy guidelines, and are not excluded for some factor such as being affected by alcohol or drugs, your insurer should cover any claims for property damage and personal injury.

It is very important when taking out insurance to ensure that you have carefully considered what you need to be covered for, and examined the policy in detail to ensure that the cover is sufficient and that there are no large gaps or exclusionary clauses that may affect you. Basically, you need to have a very close look at the small print of any accident insurance policy to make sure it will pay out when you need it to.

Common exclusions on most personal accident plans that often prove to be a source of contention include being affected by alcohol or drugs; taking part in dangerous or hazardous work, activity, sport or hobby; failure to follow medical advice; age limits; and accidents occurring outside the UK.

If you are involved in an accident and either you or another party sustain personal injury or property damage, and you are concerned about claiming on accident insurance, you should seek legal advice from a specialist accident insurance lawyer.

If you would like to obtain legal advice Caven can put you in touch with a local specialist accident solicitor free of charge. So, if you have any questions or would like our help in finding a solicitor please call us at 08001 221 2299 or complete the web-form above.

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