Injury and personal item damage after crash

[Stuw84]

Hello
Quick question as never been in this situation before. I was crashed into while stationary at a junction. The impact was quite severe, causing injury to my eye and broke my prescription sunglasses. Obviously I’ll have to replace these at some expense. I’ve been told by work (I was in a works vehicle) that there is no uninsured loss cover so I need to goto officialinjuruclaim.co.uk for this. I’m guessing this only covers injury not damage to personal items? Is there any particular route people would advise I go do down and anything need to or should do?
Thanks

[5lab]

if you're injured in the course of your job I'd be expecting the company to pick up the tab in full. They can then run about chasing the 3rd party

if you were just driving a works vehicle but not whilst working, you'll need to claim off the 3rd party. You can either do this by phoning them up and claiming directly, or having a lawyer/accident management company help you out.

[alexmonkey]

Unless your employer is somehow responsible for your injuries, I imagine any claim you make would be against the person responsible for you being crashed into.

[PistonBroker]

alexmonkey said:

I imagine any claim you make would be against the person responsible for you being crashed into.

Yep.

There's no need to involve a law firm - you simply need to keep a record of your expenditure related to this accident and submit those receipts etc. to the Third Party's insurer.

So the cost of your new specs, any costs related to the eye injury etc.

If you would prefer a law firm to manage it all, you could see if your own car policy has Legal Cover and get in touch with them. It's literally a policy that provides you with access to them and they really make their money by charging the Third Party's insurer. So it's unlikely they'll be worried whether you had the bump in your car or the works van.

[Stuw84]

Yes incident took place in work. Not been in this situation before so not sure how to proceed. If I was dealing with my own insurance I would be dealing direct and be able ask them any questions. When I asked work about glasses they didnt know and said the official injury website should cover it. But it seems to me they should be doing this as it would all come from the other insurance like people said. Is it worth contacting a claims management company if my work doesn’t seem to want to do anything in regards my own property etc?

[Rufus Stone]

This is no different to when driving your own vehicle. You claim for your injury and losses from the party at fault.

[Stuw84]

Rufus Stone said:

This is no different to when driving your own vehicle. You claim for your injury and losses from the party at fault.

True but it’s my company dealing with the insurance if they can’t or won’t do anything regard relating to myself then is it simpler for me to consult a third party like these accident management companies or no win no fee solicitors etc to recover costs otherwise I’ll end up paying for everything relating to me? I suspect company not bothered other than for the damage to their vehicle.

[Far Cough]

Stuw84 said:

True but it’s my company dealing with the insurance if they can’t or won’t do anything regard relating to myself then is it simpler for me to consult a third party like these accident management companies or no win no fee solicitors etc to recover costs otherwise I’ll end up paying for everything relating to me? I suspect company not bothered other than for the damage to their vehicle.

Why are relying on someone else to do it for you ?? Just get the 3rd party insurance details and ring them direct and tell them you wish to make a claim.

[Pro Bono]

Far Cough said:

Why are relying on someone else to do it for you ?? Just get the 3rd party insurance details and ring them direct and tell them you wish to make a claim.

If, as you say, you suffered an eye injury, and you wish to claim compensation then this is not remotely sensible. For a start, you will have no idea what level of compensation you're entitled to.

You should check whether your own motor policy or household contents policy includes legal expenses insurance. If it does, just contact them and they will (or should) appoint solicitors to handle the claim for you at no expense.

If you don't have legal expenses cover then there are any number of personal injury lawyers who will handle your claim on a no win no fee basis. They will deal with everything, but most of them will deduct a 25% `success fee' out of any compensation you receive.

You can avoid this by finding a firm that doesn't charge a success fee. A quick Google produced this result - https://www.google.com/search?q=personal+injury+no...

Your claim will include not just compensation for the injury itself, but any other incidental losses, such as your broken sunglasses.

Finally, don't bother if you can't find a firm near you, the large majority of claims like this are handled without any need for a face to face meeting.

[TwigtheWonderkid]

Pro Bono said:

You should check whether your own motor policy or household contents policy includes legal expenses insurance. If it does, just contact them and they will (or should) appoint solicitors to handle the claim for you at no expense.

Most household legal expenses cover specifically excludes motor accidents, as that's what motor legal expenses is for, which is sold as an add on to motor insurance. Any company insuring company vehicles that doesn't buy this cover for the benefit of their employees isn't a company worth working for.

[Stuw84]

Pro Bono said:

If, as you say, you suffered an eye injury, and you wish to claim compensation then this is not remotely sensible. For a start, you will have no idea what level of compensation you're entitled to.

You should check whether your own motor policy or household contents policy includes legal expenses insurance. If it does, just contact them and they will (or should) appoint solicitors to handle the claim for you at no expense.

If you don't have legal expenses cover then there are any number of personal injury lawyers who will handle your claim on a no win no fee basis. They will deal with everything, but most of them will deduct a 25% `success fee' out of any compensation you receive.

You can avoid this by finding a firm that doesn't charge a success fee. A quick Google produced this result - https://www.google.com/search?q=personal+injury+no...

Your claim will include not just compensation for the injury itself, but any other incidental losses, such as your broken sunglasses.

Finally, don't bother if you can't find a firm near you, the large majority of claims like this are handled without any need for a face to face meeting.

Thanks I don’t have my own motor insurance anymore I’m just a named driver on my wife’s as due having a company vehicle. I went down to opticians today to order new glasses and got a receipt etc of what I paid last time for them also. Ok thanks will look those? I take it they are all much of the same when picking a company?

[Stuw84]

TwigtheWonderkid said:

Most household legal expenses cover specifically excludes motor accidents, as that's what motor legal expenses is for, which is sold as an add on to motor insurance. Any company insuring company vehicles that doesn't buy this cover for the benefit of their employees isn't a company worth working for.

I would guess they don’t as was told don’t have uninsured loss cover. Never been in this situation before and first job with a company vehicle so just assumed insurance would be pretty comprehensive in all aspects but I guess not by the sounds of things.

[Far Cough]

Pro Bono said:

If, as you say, you suffered an eye injury, and you wish to claim compensation then this is not remotely sensible. For a start, you will have no idea what level of compensation you're entitled to.

You should check whether your own motor policy or household contents policy includes legal expenses insurance. If it does, just contact them and they will (or should) appoint solicitors to handle the claim for you at no expense.

If you don't have legal expenses cover then there are any number of personal injury lawyers who will handle your claim on a no win no fee basis. They will deal with everything, but most of them will deduct a 25% `success fee' out of any compensation you receive.

You can avoid this by finding a firm that doesn't charge a success fee. A quick Google produced this result - https://www.google.com/search?q=personal+injury+no...

Your claim will include not just compensation for the injury itself, but any other incidental losses, such as your broken sunglasses.

Finally, don't bother if you can't find a firm near you, the large majority of claims like this are handled without any need for a face to face meeting.

In this particular case I stand by what I said. Deal yourself, cut out any 3rd party interference ( who will, despite what they say have their own agenda and will add complexity and time to appear to be working for you whilst also filling their own coffers ) . Its a simple case where liability is not an issue. OP - Have you rung the insurers up yet and lodged your claim ?

[TwigtheWonderkid]

Far Cough said:

Pro Bono said:

If, as you say, you suffered an eye injury, and you wish to claim compensation then this is not remotely sensible. For a start, you will have no idea what level of compensation you're entitled to.

You should check whether your own motor policy or household contents policy includes legal expenses insurance. If it does, just contact them and they will (or should) appoint solicitors to handle the claim for you at no expense.

If you don't have legal expenses cover then there are any number of personal injury lawyers who will handle your claim on a no win no fee basis. They will deal with everything, but most of them will deduct a 25% `success fee' out of any compensation you receive.

You can avoid this by finding a firm that doesn't charge a success fee. A quick Google produced this result - https://www.google.com/search?q=personal+injury+no...

Your claim will include not just compensation for the injury itself, but any other incidental losses, such as your broken sunglasses.

Finally, don't bother if you can't find a firm near you, the large majority of claims like this are handled without any need for a face to face meeting.

In this particular case I stand by what I said. Deal yourself, cut out any 3rd party interference ( who will, despite what they say have their own agenda and will add complexity and time to appear to be working for you whilst also filling their own coffers ) . Its a simple case where liability is not an issue. OP - Have you rung the insurers up yet and lodged your claim ?

So tell us Far Cough, how much should he claim. After all, you have as much experience in the what is a reasonable amount to claim as he does, that is none? How does his age and occupation impact on the amount that can be claimed? The OP knows none of this stuff, and you're telling him to go it alone.

I'm with Pro Bono, get a personal injury solicitor on board.

[Pro Bono]

Far Cough said:

In this particular case I stand by what I said. Deal yourself, cut out any 3rd party interference ( who will, despite what they say have their own agenda and will add complexity and time to appear to be working for you whilst also filling their own coffers ) . Its a simple case where liability is not an issue. OP - Have you rung the insurers up yet and lodged your claim ?

Sorry to be blunt, but this is just stupid advice.

How can you possibly believe that employing a specialist solicitor to represent you is "3rd party interference"? Have you the faintest idea what making a claim for personal injuries involves? You're asking the OP, who like most people, hasn't a clue about what he's entitled to or how to get it, to do the work of a solicitor with years of training and experience. How would you expect him to obtain medical evidence, for example?

Not only that, but you're advising the OP that he would be better doing all the crappy admin work himself, even though he'd have to learn it all from scratch and even though a solicitor will do it all for nothing.

And what if the insurers make a derisory offer, as they're quite likely to when dealing with a claim from someone who doesn't know what to ask for? No doubt you'd then advise the OP that he can easily issue his own court proceedings, bish, bash bosh.

Do you by any chance work in an insurance company personal injury department?

[Zeeky]

Also check your employment contract. You may need to pay back any company sick pay if your claim is successful.

[hidetheelephants]

Zeeky said:

Also check your employment contract. You may need to pay back any company sick pay if your claim is successful.

Extra mingebag st employer points to be awarded if this is the case.

[oyster]

Is it not a workplace accident if you are injured in a works vehicles whilst working?

In which case doesn't your employer have a duty of care to ensure you receive the appropriate level of cover (medically and for financial losses)?

[lancslad58]

Why not save all the hassle and just buy some new prescription galsses

https://www.glassesdirect.co.uk/prescription-sun-o...

[Zeeky]

hidetheelephants said:

Zeeky said:

Also check your employment contract. You may need to pay back any company sick pay if your claim is successful.

Extra mingebag st employer points to be awarded if this is the case.

Your abuse and contempt is misconceived. Perhaps you work in a sector not subject to competition.

The above creates a loss to the employee which can be added on to the PI claim.The party responsible for the loss then pays for it instead of the employer.