If you have had an accident at work and you are thinking about making a claim against your employer, you may naturally have a number of concerns. Don’t worry! Our experienced claims team has heard them all and we want to put your mind at rest.
It’s your basic right to make a claim when you have been genuinely injured at work through no fault of your own, so this article may be useful to put your mind at ease, If you’re worried about initiating a case.
When you make a claim for personal injury against your employer you are normally making a claim against your employer’s insurance company. It is required by law that your employer has Employer’s Liability Insurance. There is extremely little and often no contact between The Injury Lawyers and your employer directly as the insurance company handles the claim on your employer’s behalf.
Your employer need not (and definitely should not) speak with you about the injury claim. All claim correspondence is commonly between your employer’s insurance company and your lawyers, so you should never be put in the difficult situation of having to disclose information about your claim to your employer directly.
When you are awarded compensation it is usually paid for by the insurance company, not your employer. So don’t be concerned that by you making a claim you are going to be putting your employer in a difficult financial situation which could affect the stability of the company and your future job prospects, because this should not be the case.
It is for exactly these reasons that employers should have insurance. They pay their premiums so that if anything unfortunate should happen the insurance company will handle the claim and pay out the compensation. So there is normally very little effect on the employer at all. So don’t think of it as making a claim against your employer – think of it as just a standard claim against an insurance company that people make all the time.
If you are worried that your employer’s behaviour towards you will change because of making a claim, there really should be no need for this to happen. Employers know that sooner or later, no matter how rigorous health and safety is, that an accident can happen; and that the injured person will want to justifiably seek compensation. Many employers, particularly larger companies, see this as the normal course of business and wont so much as bat an eyelid when they are notified that a claim has been brought against them. That’s why they have insurance after all.
And you ought to be able to rest easy knowing that your job is safe as it is illegal for an employer to dismiss you or cause you to leave your employment because you are making a claim for an accident at work. Typically in our experience an injured employee will make a claim and continue to work for the same company throughout and after the claims process as perfectly normal.
There really is nothing to worry about!
Call us 0800 634 7575, or if you prefer why not arrange a callback from one of our team, for instant advice on whether you have a work injury claim to make!
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