Legal expense insurance is often included in many car insurance and home insurance policies. It is an aspect of your insurance that usually covers you for legal fees in the event of a non-fault accident claim. For example, if you were involved in a RTA (Road Traffic Accident) and require legal assistance your motor insurance policy may cover you through legal expense insurance.

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Conditional Fee Agreements (CFA’s) or ‘No Win No Fee Agreements, as they are often referred, are an agreement between a solicitor and their client. These agreements are used a great deal in personal injury cases, often enabling people who maybe couldn’t afford to instruct a solicitor in a claim for compensation to pursue a claim on the basis that the Solicitor takes on the risk that if the claim is not successful then they dont get paid. That’s right if your Solicitor doesn’t win the claim then they dont get paid.

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Beware of third party capture! Following a personal injury accident where you are the innocent injured party such as a Road Traffic Accident, you will be approached by numerous people; the police, car hire companies, solicitors, the third party and their insurers. It is at this time when the third party insurers may attempt to settle any claim for compensation as soon as possible, by making you an offer of damages immediately following your accident.

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Whiplash is caused as a result of the head being thrown back and forth beyond its normal confines, due to a sudden collision. Therefore, incurring a whiplash injury as a result of a Road Traffic Accident is extremely common. The neck becomes injured as a result of the impact felt by the accident and can result in long term suffering and injury such as; back ache, neck pain, shoulder pain, headache, dizziness, pains in your legs and arms and nausea.

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Unfortunately most of us will have witnessed or been involved in a Road Traffic Accident at some time or other. With the number of cars on our roads ever increasing and with the Department of Transport recording 200,000 injuries every year as a result of RTA’s, we have put together a step by step guide of what you should do if the worst happens.

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When considering the most dangerous jobs in Britain Farming may not be the first job to spring to mind. However, in recent months the occupation has hit the headlines, reporting two fatalities in September 2008 alone.

There are a number of different factors that make Farming one of the most dangerous occupations. Vehicles, machinery and animal handling account for the majority of fatal accidents in the agricultural industry. Falling from heights is also another, this is due a large number of agricultural buildings having thin roofing that is unable to bear the weight of an average man.

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According to US Ski Association 165,000 people are seriously injured on the slopes every year. Injuries include; fractures, torn and ruptured ligaments and knee injuries. It is estimated that Ski-related knee injuries alone exceed $250 million in medical bills each year in the US.

It is the general view that Skiing is a fast and dangerous sport. The people that participate in the extreme sport accept the obvious and necessary dangers that come hand in hand with Skiing.

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You may be entitled to receive compensation if you have sustained an injury, illness or have been involved in an accident whilst on holiday you may be entitled to claim compensation. If the injury was sustained whilst you were holidaying in the UK, the claim could be dealt with similarly to any other personal injury claim. However, if the injury occurred whilst holidaying aboard certain rules may apply throughout the conduct of your case.

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Personal injuries sustained and suffered whilst out shopping are more common than you might first think. Most personal injuries that occur in a supermarket are as a result of a slip, trip or fall. This is often due to a slippery fall, whether it be through spilt food or drink, residue cleaning products, falling over obstacles, being hit by goods falling from the shelves or discarded food wrappers. If you have sustained a personal injury whilst out shopping that was not your fault you may be able to claim compensation against the supermarket.

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Research has shown that most drivers do not take into account the weather conditions when beginning a journey, particularly rainy weather. However, with 24% of all car crashes occurring during bad weather such as; ice, snow and rain. The weather and how it will impact on your driving and the handling of your car must always be considered, particularly, as we enter into the winter months.

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