Who pays for injury claims?
If you have been injured due to the negligence of another person or organisation, you may be entitled to make a claim for compensation. Your injury compensation claim is brought against the person or organisation that is to blame (or partially to blame) for causing your injury. In most cases that person or organisation will have insurance, and we usually negotiate with their insurer who then pay any compensation you are due.
When making a claim for compensation, it is important to remember that you are not claiming from the person or organisation who caused your injury, but from their insurance company. The insurance company will usually be responsible for paying out any compensation that is due to you.
In some cases, the person or organisation who caused your injury may not have insurance. In this situation, you may be able to make a claim directly against them. However, it is important to note that if the person or organisation does not have the financial means to pay out the compensation, you may not be able to recover any money.
It is also important to remember that if you are injured in an accident that was not your fault, you may be able to make a claim for compensation even if the person or organisation who caused your injury does not have insurance. In this situation, you may be able to make a claim against the Motor Insurers’ Bureau (MIB). The MIB is a fund set up to compensate victims of accidents caused by uninsured or untraced drivers.
When making a claim for compensation, it is important to remember that you are not claiming from the person or organisation who caused your injury, but from their insurance company or the MIB. It is also important to note that you may be able to make a claim even if the person or organisation who caused your injury does not have insurance.
Making a claim for compensation can be a complicated process, and it is important to seek legal advice from a qualified solicitor. A solicitor will be able to advise you on the best course of action to take and will be able to help you make a successful claim for compensation.
