Injury and personal item damage after crash

[Stuw84]

Hello
Quick question as never been in this situation before. I was crashed into while stationary at a junction. The impact was quite severe, causing injury to my eye and broke my prescription sunglasses. Obviously I’ll have to replace these at some expense. I’ve been told by work (I was in a works vehicle) that there is no uninsured loss cover so I need to goto officialinjuruclaim.co.uk for this. I’m guessing this only covers injury not damage to personal items? Is there any particular route people would advise I go do down and anything need to or should do?
Thanks

[Stuw84]

Yes incident took place in work. Not been in this situation before so not sure how to proceed. If I was dealing with my own insurance I would be dealing direct and be able ask them any questions. When I asked work about glasses they didnt know and said the official injury website should cover it. But it seems to me they should be doing this as it would all come from the other insurance like people said. Is it worth contacting a claims management company if my work doesn’t seem to want to do anything in regards my own property etc?

[Stuw84]

Rufus Stone said:

This is no different to when driving your own vehicle. You claim for your injury and losses from the party at fault.

True but it’s my company dealing with the insurance if they can’t or won’t do anything regard relating to myself then is it simpler for me to consult a third party like these accident management companies or no win no fee solicitors etc to recover costs otherwise I’ll end up paying for everything relating to me? I suspect company not bothered other than for the damage to their vehicle.

[Stuw84]

Pro Bono said:

If, as you say, you suffered an eye injury, and you wish to claim compensation then this is not remotely sensible. For a start, you will have no idea what level of compensation you're entitled to.

You should check whether your own motor policy or household contents policy includes legal expenses insurance. If it does, just contact them and they will (or should) appoint solicitors to handle the claim for you at no expense.

If you don't have legal expenses cover then there are any number of personal injury lawyers who will handle your claim on a no win no fee basis. They will deal with everything, but most of them will deduct a 25% `success fee' out of any compensation you receive.

You can avoid this by finding a firm that doesn't charge a success fee. A quick Google produced this result - https://www.google.com/search?q=personal+injury+no...

Your claim will include not just compensation for the injury itself, but any other incidental losses, such as your broken sunglasses.

Finally, don't bother if you can't find a firm near you, the large majority of claims like this are handled without any need for a face to face meeting.

Thanks I don’t have my own motor insurance anymore I’m just a named driver on my wife’s as due having a company vehicle. I went down to opticians today to order new glasses and got a receipt etc of what I paid last time for them also. Ok thanks will look those? I take it they are all much of the same when picking a company?

[Stuw84]

TwigtheWonderkid said:

Most household legal expenses cover specifically excludes motor accidents, as that's what motor legal expenses is for, which is sold as an add on to motor insurance. Any company insuring company vehicles that doesn't buy this cover for the benefit of their employees isn't a company worth working for.

I would guess they don’t as was told don’t have uninsured loss cover. Never been in this situation before and first job with a company vehicle so just assumed insurance would be pretty comprehensive in all aspects but I guess not by the sounds of things.