Know Your Rights – Accident Claims
When it comes to spending many thousands of pounds on photography equipment the last thing you want to do is scrimp on the insurance to cover your lost, stolen or damaged gear. It is therefore vital that you thoroughly research all you need your photographic insurance to protect against and how replacements will be supplied etc. It is also important to read thoroughly each insurers policies and what they do and do not cover and make sure that it covers all you need (after all each of us have differing requirements).
You should have knowledge regarding the intricacies of each type of injury claim because each one is different, and needs a specific procedure for filing.
Most people file claims for injuries sustained in the performance of duty. This is the most common type of injury for which claims are normally filed.
What is covered: Does the photographic insurance cover all your needs? Are you protected outside the home/studio or when travelling abroad, or is theft from an unattended vehicle covered? These are all questions you must ask yourself when looking for camera insurance, you want to be sure your expensive equipment will be replaced if there is a problem. It is advisable to have Public liability insurance and sometimes indemnity insurance (depending on your circumstances) so it is important to make sure you know if these are included if you need them. It is possibly most important to ask what is NOT covered as well, just to make sure.
Another common cause of such claims, is injury from accidents occurring on roads. If you happen to be involved in such an accident, the first action you need to do is to contact the relevant police authorities. This is for the purpose of filing a report, which will form the basis of any personal injury claims you may file.
Naturally, the level of compensation awarded significantly differs in such cases due to the individualistic nature of the injuries involved. The term ‘special damages’ applies to specific injuries which have resulted from the accident.
The quantum of pecuniary loss can be calculated since the earnings before and after are known. Other instances for eligibility to file an accident claim are: – Charges paid to professional nurses and medical assistants to take care of your post-accident needs – The unpaid or “ex gratia” care given to you by your friends and relatives can also be indented.
There may be other grounds for filing personal injury claims, such as: – A slander or libel suit after the publishing of an article or book. – You may pay a visit to someone and get bitten by their dog! – Malpractice by medical professionals, – Injuries from toxic exposure (due to negligence by a company or individual) – Injuries resulting from products which are defective – Mistreatment or abuse of patients (e.g. at a nursing home)
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