If you are searching for answers to the question ‘Does an accident in a work vehicle affect personal insurance UK?’, chances are you have been involved in an accident while driving a vehicle supplied by your employer and are keen to understand whether the incident will affect your personal insurance premiums.
Here, our expert personal injury solicitors answer the question ‘Does an accident in a work vehicle affect personal insurance UK?’ and explain whether you might be eligible to claim compensation for your accident and, if so, against whom your claim should be made.
To speak to our accident at work experts please call us free of charge on 0800 988 3674 or Make A Free Online Enquiry.
Does An Accident In A Work Vehicle Affect Personal Insurance UK?
When you take out a motor insurance policy, you will be asked to provide details of any accidents in which you have been involved during a specific period, such as the past three or five years. The question will likely cover both accidents for which you were to blame and those for which someone else was responsible.
Crucially, the question covers all accidents you have been involved in where you were the driver, whether you were driving your personal vehicle, someone else’s car, a company car, or a rental vehicle. If you fail to disclose an accident, the insurance company may try to invalidate your policy on the basis of non-disclosure, and you may not be covered for a future accident.
Being involved in an accident during the period covered by the question may increase your premium, depending on the circumstances.
Can You Claim Compensation For An Accident In A Work Vehicle?
If you were involved in an accident while driving a work vehicle and were not to blame, you may be eligible for compensation from your employer, another road user, or both.
When Is My Employer Liable For An Accident In A Work Vehicle?
Your employer must, by law, take reasonable steps to ensure the safety of any equipment they provide for you to use during your employment. If they fail to do so, and if you are injured as a result, you may be able to claim compensation from them.
An example of the circumstances which may give rise to a personal injury claim against your employer is if they provided you with a company car with faulty brakes, which failed and caused an accident in which you were hurt.
All employers are legally obliged to take out employers’ liability insurance to cover the costs of any personal injury claims made against them by employees. Accordingly, when you make a claim against your employer, their insurance company will pay your compensation and costs.
When Is Someone Else Liable For An Accident In A Work Vehicle?
All road users owe a duty of care to others on the road to take reasonable care not to do anything that may cause them harm. If they breach their duty and you suffer harm as a result, you may be able to make a personal injury claim against them.
An example of the circumstances which may give rise to a personal injury claim against another road user is if they drove into the back of your vehicle and caused you injury.
How Much Compensation Can You Claim For A Road Traffic Accident?
Your compensation will be based on the nature and severity of your injuries and how they impact your daily life. Personal injury solicitors and judges refer to a set of guidelines prepared by the Judicial College, which provide ranges of compensation in relation to specific injury types. For example, the current guidelines state that the appropriate compensation amount for a minor back injury from which you recover within three months is anything up to £2,990.
These guidelines are just that, a guide. They are intended to be used as a starting point for personal injury lawyers and judges when assessing the compensation due in any given case. The precise amount will depend on the circumstances of your individual case.
In addition to compensation for your injuries, you are entitled to compensation for any financial losses you sustain. For example, if you need to take time off work to recover, you can claim for any loss of earnings during that period. You can also claim for other costs, such as travel and medical expenses.
How Can You Fund Your Personal Injury Claim?
We act for most of our personal injury clients on a no win, no fee basis, thereby enabling them to pursue their claims without paying any upfront costs. You only pay us if your claim succeeds, at which point you pay us the amount detailed in your no win, no fee agreement.
To speak to our accident at work experts please call us free of charge on 0800 988 3674 or Make A Free Online Enquiry.
