Road Accident Compensation
Road Accident Compensation
By Julian Hall
Claims MasterGroup
Before making a road accident compensation claim, there arespecial issues which may affect liability.
CouncilImmunity: This states that a class=GramE>victims injury may limit an injury victim's ability tosue when the driver of the vehicle that causes an accident is a councilemployee who is working at the time of the accident, or where the accidentinvolves a council-owned vehicle in view of aroad accident compensation claim.
OwnerLiability: This states that even if avehicle is borrowed to a third party, if an accident ensues, the owner maybe jointly liable for damages caused by the third parties fault.
Company/ Employer Liability: This states that here anemployee is driving a vehicle "on the job", or within the courseand scope of employment, the employer can be jointly liable for injuriescaused by the employee's negligent driving conduct.
MobilePhone Usage: Mobile phone usage whilst drivingis banned in the UK.Employers may want to consider the following best practice guidelines.Mobile phones should be switched to voicemail when the user is driving.Emergency calls only should be made / received when on the moveEmployees should be encouraged to only make or receive calls - even with ahands-free kit ? when they are safely parked away from the road. Any accident caused in this way will affect anyroad accident compensation claim .
Insurance Cover
The insurance problems car accident victims have withinsurance coverage typically fall into three categories:
UninsuredDriver - Unfortunately there are agrowing number of people who are driving without any car insurance, an MOTand in some cases a driving license. In the w:st="on">UK, thereis an organisation called the MIB (no they don't wear black suits) whichstands for the "Motor Insurers Bureau" who deal with paying out claimsagainst uninsured drivers. This was set up to offer victims of uninsureddrivers a way to gain a Aroad accident compensation claim that could then be reclaimed from theuninsured.
UnderinsuredDriver - Underinsured Motorist coverageis the term used when the other vehicle's policy limit is inadequate topay for all your damages.
Provided you have a Standard Policy, your own insurance company may payfor damages to your vehicle caused by; any person or organization class=GramE>who did not have liability insurance at the time of theaccident. Any person or organization who had adequate liability insurancecoverage at the time of the accident, but for some reason, the companywriting the insurance denies that their policy provides coverage for the class=SpellE>loss. Any person or organization who did not carryenough insurance to pay for your damages in full. Ifyou only have a Basic Policy, you do not have any protection if yourvehicle is damaged by either an uninsured or underinsured driver.
InsuranceCompany Bad Faith - style='font-weight:normal'>Anxiety and distress arenatural emotions caused when an insurancecompany refuses to pay.
In many circumstances there may bea legitimate reason for the insurer notpaying, but there have also been a number of cases wherethe insurance company's refusalhas been considered unreasonable, unfair and in ' style='font-weight:normal'>bad faith'. In legal terms, theinsurance company has acted in breach of contract.
f you need advice or would just like to speak to someone, please don'thesitate to give Claims MasterGroup a call on 08000 71 22 71.
The href="http://www.claimsmastergroup.com/">Personal Injury, Accident Claim, href="http://www.claimsmastergroup.com/">No Win No Fee, href="http://www.claimsmastergroup.com/">Road Accident Compensation specialists.
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By Julian Hall
Claims MasterGroup
Before making a road accident compensation claim, there arespecial issues which may affect liability.
CouncilImmunity: This states that a class=GramE>victims injury may limit an injury victim's ability tosue when the driver of the vehicle that causes an accident is a councilemployee who is working at the time of the accident, or where the accidentinvolves a council-owned vehicle in view of aroad accident compensation claim.
OwnerLiability: This states that even if avehicle is borrowed to a third party, if an accident ensues, the owner maybe jointly liable for damages caused by the third parties fault.
Company/ Employer Liability: This states that here anemployee is driving a vehicle "on the job", or within the courseand scope of employment, the employer can be jointly liable for injuriescaused by the employee's negligent driving conduct.
MobilePhone Usage: Mobile phone usage whilst drivingis banned in the UK.Employers may want to consider the following best practice guidelines.Mobile phones should be switched to voicemail when the user is driving.Emergency calls only should be made / received when on the moveEmployees should be encouraged to only make or receive calls - even with ahands-free kit ? when they are safely parked away from the road. Any accident caused in this way will affect anyroad accident compensation claim .
Insurance Cover
The insurance problems car accident victims have withinsurance coverage typically fall into three categories:
UninsuredDriver - Unfortunately there are agrowing number of people who are driving without any car insurance, an MOTand in some cases a driving license. In the w:st="on">UK, thereis an organisation called the MIB (no they don't wear black suits) whichstands for the "Motor Insurers Bureau" who deal with paying out claimsagainst uninsured drivers. This was set up to offer victims of uninsureddrivers a way to gain a Aroad accident compensation claim that could then be reclaimed from theuninsured.
UnderinsuredDriver - Underinsured Motorist coverageis the term used when the other vehicle's policy limit is inadequate topay for all your damages.
Provided you have a Standard Policy, your own insurance company may payfor damages to your vehicle caused by; any person or organization class=GramE>who did not have liability insurance at the time of theaccident. Any person or organization who had adequate liability insurancecoverage at the time of the accident, but for some reason, the companywriting the insurance denies that their policy provides coverage for the class=SpellE>loss. Any person or organization who did not carryenough insurance to pay for your damages in full. Ifyou only have a Basic Policy, you do not have any protection if yourvehicle is damaged by either an uninsured or underinsured driver.
InsuranceCompany Bad Faith - style='font-weight:normal'>Anxiety and distress arenatural emotions caused when an insurancecompany refuses to pay.
In many circumstances there may bea legitimate reason for the insurer notpaying, but there have also been a number of cases wherethe insurance company's refusalhas been considered unreasonable, unfair and in ' style='font-weight:normal'>bad faith'. In legal terms, theinsurance company has acted in breach of contract.
f you need advice or would just like to speak to someone, please don'thesitate to give Claims MasterGroup a call on 08000 71 22 71.
The href="http://www.claimsmastergroup.com/">Personal Injury, Accident Claim, href="http://www.claimsmastergroup.com/">No Win No Fee, href="http://www.claimsmastergroup.com/">Road Accident Compensation specialists.
?
This article is free for republishingSource: http://www.articlealley.com/
posted by Carolyn at
1:49 PM
