5 Steps To File A Work Accident Claim

By: evelyn | Date: 2020-12-05

Work accidents are getting a matter of routine. Despite that the employees take care of themselves when working, workplace accidents do happen. Some accidents are minor such as trips and falls that don’t cause some serious injuries. However, some accidents can seriously injure a worker even leading to paralysis or death of the worker. Luckily, UK laws protect employees. If a worker gets injured at the place of the accident, they can make a work accident claim against the employer in some cases. Though workers aren’t eligible to make work accident claims in every case, we will discuss that in a bit. 

When it comes to making work accident claims, workers are often unaware of their rights. They don’t know what to do next. Can they make a work accident claim or not? If they can, then what are the steps to make a work accident claim? Due to all these questions, several victims of work accidents remain deprived of their rights. But not anymore. In this post, we are going to help you know how to make a work accident claim. Without any delay, let us get started from nitty-gritty.

What Is A Work Accident Claim?

Work accident claim is the compensation money that the victims of any workplace accident receive for their injuries. This amount of compensation covers almost every expense you had to bear after the accident. From your medical expenses, travel expenses, and loss of earnings to personal belongings that got damaged and work-related benefits, everything is included in work accident claims.

As far as the eligibility for the workplace accident claims is concerned, the rules are also pretty simple here. You are entitled to make a work accident claim if you have sustained an injury at work due to the fault of any other person at work. Let us know how workplace accident claims even work.

In the UK, employers have a legal obligation to take care of workers safety at work. If an employer fails to do this and an employee gets injured at work, the worker can make a workplace accident claim against the employer. The insurance policy of the worker will compensate the worker for all the damages they had to suffer due to the accident.

Now you know the basics of workplace accident claims, it’s time to delve deep into the detailed steps to make work accident claims.

Steps For Filing A Work Accident Claim

1. Go Through Detailed Medical Examination

The key to making a successful claim is having more and more pieces of evidence. Without having proper medical reports, you may not have sufficient proof to prove your stance and win your claim money. Plus, your goal is to maximise your compensation money. You need medical reports and hospital bills to maximise your claim. Victims often ignore the significance of going to a proper medical specialist and try to save their money assuming their injuries to be minor. No matter what type of injuries you have sustained, always go to a medical specialist and follow up your treatment properly to get the most out of your claim.

2. Keep Track Of Every Penny You Spend

If you’re counting only your medical treatment in your compensation money, give it a second thought. There is much more than just hospital bills. But you need to know how to claim for that. You may have made some travel expenses when going to a hospital, whether in the form of fuel or fare. You may not be able to work for some time and lose your earnings. There are certain work-related benefits you may have missed when you were injured and some other miscellaneous expenses.

Fortunately, you can recover all these expenses when making your claim. To get all these expenses, you have to keep track of every penny you spend. Make a folder of all the hospital bills, travel receipts and estimate your loss of earnings as well. It will not only strengthen your case but you can also maximise your compensation based on these receipts and bills.

3. Notify Your Employer

After you have successfully collected all the relevant information, it’s time to contact your employer and let them know what you’re thinking. To do this, you have to write a letter known as “Letter of Claim”. Let us know what are the points that you should mention in your letter of claim.

  1. Your personal details - your name, address and national insurance number.
  2. Briefly describe how the accident happened
  3. Give reasons why you hold your employer liable for the accident
  4. Describe the laws on the basis of which you are making a work accident claim. 
  5. Describe your injuries - physical plus psychiatric. If you have any ongoing injuries, state them too.
  6. Describe the financial losses you have suffered. Also, add any ongoing expenses. 
  7. Describe your loss of income after the work accident. 
  8. Request your employer send you a copy of all the documents that are relevant to this case.
  9. Request your employer to send this letter’s copy to their insurance company. 

4. If Required, Issue Proceedings

This one is an optional step. You don’t have to issue proceedings if the employer or the insurance company take you seriously and start investigating your claim. If they don’t you should go to court to file your claim. This step is called issuing proceedings. Just go to court, pay its legal fee and present the relevant documents to start your case. After the trial, you will get your claim money if you’re eligible for it. You can also take your case to court if the insurance claims adjuster isn’t offering you a reasonable settlement amount or denying your claim despite that you are eligible for it.

5. Contact Work Injury Claim Specialists

This one is a crucial step for multiple reasons. In fact, it isn’t the last step. You should hire injury claim specialists from the day you decide to make your claim. If you want to avoid going through any red tape, increase your winning chances and want to maximise your claim money, it’s best to hire injury claim specialists on your behalf when making work accident claims.

Our professional claim specialists will cater to everything from the moment you hire us. You won’t have to worry about anything including dealing with the claims adjuster to maximise your claim money. Our experts will handle everything on their own. You won’t even have to pay a penny to make your claim. We will only charge you when you win your claim money and get your compensation. If you have sustained a workplace injury and wanna make a claim, get connected to us to make a successful claim.

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