FAQs on accidents and insurance


Are accidents covered by insurance?

Many accidents are covered by insurance. Car accidents, slips, trips and falls, sporting incidents, accidents at work and medical accidents are just some examples of the types of accidents which may be covered by insurance.

What types of insurance cover accidents?

There are a range of insurance policies which may cover accidents, including:

  • Public liability insurance
  • Building insurance
  • Motor insurance
  • Travel insurance
  • Life insurance

The type of incidents covered by each of these policies depends on the wording of the terms and conditions of the policy.

Whose insurance do you claim on?

Normally, the person whom is responsible for your accident will claim on their own insurance policy. It is usually not necessary for you to claim on your own insurance policy. However, if you cannot locate the person who is responsible for your accident or they refuse to pay you compensation (whether because they deny liability, or do not have any money, or are uninsured) you may be able to claim on your own insurance policy.

What if you have a dispute with an insurance company?

If you have a dispute with an insurance company you must first use their internal dispute resolution procedures. If this does not resolve the problem you may contact the Financial Services Ombudsman and/or an insurance solicitor or a personal injury solicitor.

What if you are not covered by insurance?

If you are not covered by insurance you will need to take legal action against the person at fault for the accident. You may be able to negotiate the payment of compensation without having to go to court. Mediation may be helpful in resolving disagreements over the amount of compensation payable. However, if agreement is not reached you will need to file a claim at court. A personal injury solicitor can assist with the legal process.

If you would like to obtain expert legal advice, we can help to put you in touch with a local specialist solicitor free of charge. Call our experienced case handlers on 08001 221 2299.

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