Accident Compensation

> Accidents in Someone Else’s Home
An injury sustained in someone else’s home may be grounds to claim for compensation against the homeowner’s insurance policy. Many household insurance policies cover these kinds of accident compensation, as it is the householder’s responsibility to ensure their property is safe for casual visitors, including guest, delivery people and even unwanted visitors.

> Accidents in Your Home
If you suffer an injury in your own home you cannot usually claim for compensation unless the incident was caused by someone else. There are also household insurance policies that cover injuries to other members of your household.

> Accidents in School
Should you suffer an injury while at school and can show how the incident could have been prevented and the school is to blame, you may be able to claim accident compensation. Students have the right to expect the buildings, grounds and equipment in their school are safe, and the supervision is of a reasonably safe and competent standard.

> Animal Attacks
You may be able to claim for accident compensation for injuries caused by an animal attack, provided that the owner of the animal was aware that such an attack was a possibility. For instance, if you are attacked by a dog that has never attacked anyone on any previous occasion then you may not have grounds for a claim, as opposed to being attacked by a dog that has attacked others before.

> Animals on the Road
Should you be in an accident involving an animal on the road, you may be able to claim for accident compensation against the animal’s owner who is responsible for making sure that the animals under their care are restrained or properly fenced in.

> Sports Injury
By engaging in a sports activity you are accepting the potential risk for injury so usually you cannot make a claim for compensation if you are injured in this context. There are circumstances, however, where you may be able to make a claim for accident compensation if an accident occurs. If the incident occurs while you are being trained or taught a sport, your instructor should be properly qualified to teach you safely. The owners of the premises where the sport activity takes place must ensure the facilities are not dangerous for the people using them. And, in contact sports, the other players have a responsibility to play in a way that will not endanger other participants, and to avoid causing any deliberate injury to them.