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There are thousands of accidents every year resulting in personal injury - on the roads, on footpaths, in the workplace, in public places, on construction sites, medical accidents, injuries caused by faulty goods.
Many people are injured in accidents caused by the negligence of others and where this can be proved they are likely to have a legal right to claim compensation damages from the negligent party.
The thousands of personal injury claims brought every are almost invariably negotiated and paid by the insurers of the negligent party. The insurance will generally cover not only the damages awarded but legal expenses and other costs incurred in dealing wth the claim.
The most common types of insurance involved are:-
A person suffering a personal injury and wishing to bring a compensation claim can be reasonably satisfied that in the majority of cases the negligent party will have insurance to cover the claim. There will of course be exceptions.
*damages for loss of earnings and other losses and expenses are commonly paid in addition to the injury award and will vary in each case