Archives for December 2012

The Most Common Types of Personal Injury

We have come to associate the term ‘personal injury’ for accidents that happen when someone else is responsible, and is a potential situation which could lead to the injured party making a claim for compensation.

In this article we take a look at some of the most common personal injury types and how they can be caused.

 Strains and sprains

This is mostly associated to jobs based around manual labour and lifting. However, even office and clerical work can require the moving of supplies or other boxes from time to time. Injuries sustained by this type of activity account for more than a third of work related accidents.

Much of whether a claim can be made will be down to if the relevant safety procedures have been explained to the employee beforehand, or if the appropriate lifting equipment has not been provided. 

 Burns and chemical damage

 When chemicals are not being handled properly or electrical equipment and installation not being maintained to a safe standard it can be extremely dangerous for those around it. Electric shocks from mains devices can be fatal in a worst case scenario and minor discharges can cause serious burns.

 Accidents involving hazardous materials often occur as a result of lax safety procedures. In any workplace where appropriate signage and training is not provided, injuries sustained will more than likely be eligible for compensation.

 Whiplash

 Most of us encounter traffic in our daily lives, where it is as a driver, passenger or even as a pedestrian. So it is no surprise that a great many personal injury claims arise from accidents involving motor vehicles.

 Whiplash is one of the most common injuries sustained by drivers and passengers of cars involved in collisions. It is inflicted by the weight of the head and neck being forced forward and backward during a sudden change of speed or impact.

 As well as causing great pain and discomfort, the damage it can cause to the nerves that travel through the vertebrae can lead to serious complications.

 Illness

It isn’t only physical injury that can lead to a successful claim. Illnesses, whether short or long term, are also covered and in some cases psychological complaints count as personal injury too. If these conditions are aggravated or triggered by your place of work or a third party then you may be entitled to lodge a claim for compensation.

 Ultimately, if something impacts your well-being, quality of life or disrupts your lifestyle then there may be a basis to claim.

Home insurance and the things you need to know this winter

With winter on its way, now could be the perfect time to take out home insurance cover with a company like HomeServe. It will help protect your premises in an emergency, but what should you look out for and what do you need to know about the different policies available?

The difference between home and contents cover

If you have become a property owner for the first time, it’s essential to understand that there are two main types of home insurance available – buildings and content. The former protects the physical structure of your home including the windows, roof and walls, as well as permanent fixtures such as a newly-fitted bathroom suite. It should also provide you with adequate protection against instances of fire, flood, subsidence, falling trees and other things that could damage your premises. You must insure your property for the amount it would cost to rebuild it from scratch including legal fees.

Contents cover, on the other hand, will offer you a financial safety net for the things inside your home including furniture and jewellery. It provides peace of mind that you’ll be compensated in the event of a natural disaster or theft, but you must read the small print to fully understand the contract. As the contents of your home might tally up to more than you think, estimate the value of your belongings as accurately as possible to avoid being underpaid if you ever need to make a claim.

Is there anything buildings insurance won’t pay for?

All policies are different, so take the time to read the terms and conditions carefully. You’ll probably find that major incidents are covered, but that normal wear and tear will be down for you to pay for. What’s more, if no one is living at your home for more than 30 days in a year, the insurance policy could become invalid, so always double check this with your provider. If you have a mortgage, the property lender might advise you on the type of insurance you need, but don’t sign a contract until you fully understand what it entails.

Do I need insurance if I’m renting a property?

While the landlord should sort out buildings insurance, it’s a good idea to protect the contents you have within the property including laptops, computers and other technical gadgets. Families and students are responsible for looking after their belongings, so think about insurance as soon as you move somewhere new. There are many different policies available, but be aware that some providers won’t insure you if you live in shared accommodation.

Theft and crime can happen all year round, but with temperatures set to drop, make sure you are insured this winter.

Common types of medical negligence

Medical negligence used to be something that people shied away from, unsure of how to carry out an investigation into pain and injuries suffered as a result of said negligence. However, with the rise of  ‘no win no fee’ solicitors, medical compensation claims are increasing in number each year.

If you play your case right, you will be able to gain a successful medical claim with the help of medical negligence solicitors. This article seeks to inform you of the variety of types of medical negligence that can occur.

Misdiagnosis

This can be an extremely grave mistake for a doctor to make, and one that can lead to a lot of health problems. Misdiagnosis can occur when the symptoms of your condition or illness are not already obviously apparent.

Doctors often fail to diagnose things like cancer, symptoms of an impending heart attack or a stroke, diabetes, meningitis or appendicitis.

If you are being treated for something that you don’t have, or worse, not being treated at all, it can lead to very serious damage to your health.

Surgery-related negligence

This is a rare, but nonetheless very grave offence that will hold your doctor liable for violating his or her code of conduct. If you are operated on without giving your consent to the doctor, this is classed as ‘battery’, legally speaking.

There are many other pitfalls when it comes to surgery, unfortunately. The unintentional laceration of an organ or tissue that isn’t related to the area of concern will cause extra, unwarranted damage to your body.

Wrong site surgery occurs when there has been a mistake in communicating the area of concern to the doctor, and he or she in turn operates on a different area of your body.

A lot of jokes are often made about foreign objects being left in the body after surgery; there’s not that much to laugh at, unfortunately, if it happens to you. If something is left inside your body after the operation, it will more than likely lead to severe, life-threatening infection.

Anaesthesia-related negligence

There are two areas where negligence-caused damage can occur with an anaesthesiologist. During your patient review, he or she will go through your entire patient history to see whether you have a particular allergy or other conditions they need to be aware of.

A mistake in the review will inevitably result in a mistake during the operation, where an allergic reaction could cause severe damage or even death.

Even if the review is successful and the anaesthesiologist is adequately prepared, slip-ups may occur during the surgery, where they may not react in time to changes occurring in front of them.

Euroferret.com is owned by Mediamash (NI) Limited, who are an Introducer Appointed Representative of Seopa Ltd. The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FCA, number 313860. You can view our registration at www.fsa.gov.uk/register/firmSearchForm.do?sid=127135. We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.