How to get compensation after an accident

How to get compensation after an accident

If you’ve been injured in an accident and can’t work, you’ll need compensation to pay bills or care for your family.

The most common way to get this is through accident insurance. This article will explain what accident insurance is, how it works, and who can get it.

Accident Insurance

Accident insurance is a type of insurance that covers you if you’re injured in an accident. It is also known as personal liability, business liability, or commercial property and casualty insurance.

The terms “accident” and “injury” are used interchangeably in the context of this article, but they have different meanings depending on your specific type of accident policy and the circumstances under which you were injured. For example:

  • If another person caused your injury while driving carelessly, then their actions would be considered an accident because they acted negligently and without due care. * If you slipped on ice while standing outside in subzero weather conditions without wearing boots or gloves, then slipping on ice would not constitute an accident because it was not caused by any negligent party’s negligence (and therefore could not be considered accidental)

Life Insurance

Life insurance is a type of financial protection for your family. It provides them with money if you die, and that money can help cover funeral expenses or pay off debts.

You’ll also want to think about how much life insurance you need. If you have dependants or have set up a rainy day fund, they’ll be able to use the money to get by while they’re figuring out their next steps.

Whole life insurance is another form of term life insurance and helps people build savings over time.

Whole life policies typically come with an investment component that allows clients to grow their cash value without having any risk in the investment market; however, many find these policies too expensive given the limited flexibility and limited ability to access funds until retirement age (60-65 years old).

Personal Injury Insurance (PII)

Personal Injury Insurance (PII) provides you with financial security if you’re unable to work due to a personal injury.

If your PII cover includes income protection, this means that your medical bills will be paid and all of your outgoings will be covered until you’re able to return to work again.

Other names for PII include:

  • Income Protection Insurance (IPI)
  • Occupational Sickness Scheme (OSS)

How to get your compensation

You’ll want to gather as much evidence as possible related to the accident.

This includes:

  • Copies of the accident report. These documents will let you know who was at fault in the crash, or accident, who was involved, how it happened and any witnesses, if any.
  • Copies of your insurance company’s investigation report. Again, this will tell you what they found out about who was at fault for your crash (and whether they determined that it wasn’t you).
  • If they found that another driver was at fault, then they may have been able to negotiate a settlement with them on your behalf—but only if you’ve already obtained permission from us firs
  • Copies of medical reports. these documents will contain all the information in regards to the injuries suffered, the treatment received and the times of recovery.

Calculate your compensation value:

  • To calculate the value of your claim, you’ll need to identify the damages that were caused by the accident.
  • Then, you should add up how much it will cost to fix those damages and any other losses that you have incurred.


It’s important to understand the difference between these types of insurance and make sure you’re covered. There is a lot of information on the web now, with a quick search online you ll be able to find the right cover for you and your family.