Let's look at two, not uncommon, scenarios that may happen to a pet owner in the UK:
Scenario 1:
You own a dog. The dog is out in the garden. The post comes to the house to deliver a letter. In the course of delivering the letter your dog bites the postman.
Scenario 2:
You own a horse. The horse is grazing in the field. The horse is startled, jumps the hedge and crashes into an oncoming car.
Do you know what would happen in both of these scenarios? Well, if you don't already know, as you may recall from the recent famous case involving Princess Anne, in Scenario 1 you could be liable to pay damages under the Dangerous Dogs Act. Less well known, in Scenario 2 you could be liable to pay damages under a recent House of Lords interpretation to the Animal Act 1971. Either way, you're paying.
How can you limit the liability you'll suffer if either of these unfortunate events where to occur? Without some form of pet insurance policy you could not. As such, if you have a pet and want to save yourself from the prospect of having to pay out a potentially large amount of money in compensation damages to a third party ? now is the time that you should be considering getting pet insurance.
Although pet insurance is unlikely to cover you for the full costs you that you may need to pay to both defend your self against a claim and also pay compensation if you lose, as there is likely to be a minimum excess payment and maximum cap payment, for a reasonable annual premium payment you can arrange to have cover that would pay a large portion of this amount.
At the end of the day, however, having pet insurance is like having any other type if insurance. Would you go out n the roads and drive your car without insuring yourself against an accident? Would you leave all your valuables at home without having any home contents insurance? Do you want to take the chance that you could be used for million in personal injury compensation without having paid a minimal amount in pet insurance?
Car Insurance Personal Injury
Simple, ask the following 5 questions:
1. Is The Personal Injury Specialist Qualified To Handle Your Accident Claim?
May sound rather like a silly question, but today most solicitors elect to specialise in particular areas of law. As such, you need to make sure your solicitor specialises in accident injury claims before you appoint them.
Keep in mind that if your chosen accident claim solicitor does not specialise in this particular area of law then they are unlikely to know what the current trends in the law are and this could end up costing you money. Moreover, the area of law dealing with accidents tends to be highly specialised – requiring certain medical terminology skills.
Again, if your solicitor is not aware of these, it could end up costing you! So, before agreeing to hire an accident solicitor, make sure you ask if he/she has current experience in this area of law. You may even want to ask if their law firm has a specialised accident injury department. If they don't, you should possibly consider going to another law firm that does.
2. Is Your Personal Injury Solicitor Taking Any Charges From You?
When you and your accident claim solicitor sign a Conditional Fee Agreement (CFA) you want to make sure that in the agreement the solicitor is going to claim for all of their fees and expenses from the opponent and not from any accident compensation you receive.
If the solicitor gives you any problems here, don't hire them and remind them of the Access to Justice Act which permits them to claim all reasonable costs from the other party!
3. Out-Of-Pocket Expenses?
Most personal injury solicitors love to include a clause in the CFA that you are going to be responsible for all out-of-pocket expenses. Out-of-pocket expenses can include any medical treatment you receive at the request of your accident compensation solicitor, any overtime incurred by the solicitor's staff, telephone and fax charges, etc.
The solicitor should be responsible for these costs which should be re-claimed from your opponent. However, be warned: the courts will only allow you to claim 'reasonable' costs and only on the basis of you winning your case.
4. Is The Accident Compensation Solicitor Aiming To Settle Or Go To Court?
Sometimes, though not always, solicitors don't listen to the wishes of their clients and instead go after what they believe the law entitles their client to claim. As such, if you want to settle the claim, rather than go to court, you should ask your accident claim solicitor whether they have any objection to such.
Conversely, if you want to go to court, but your solicitor is advising that you settle the claim, you should discuss this with them to see if there are any adverse effects for taking your injury claim to court.
5. What Happens If You Lose?
Solicitors are expensive – so what happens if you lose? You need to ask this question of your accident claim solicitor to see if he/she is willing to insure your claim against the chances that you may lose.
Keep in mind that if you do lose it is not your personal injury solicitor who is going to be reasonable for the fees and expenses that have accrued to-date, but you! And you don't want to be the victim of the same accident twice, so don't listen to any discussions about how you cannot lose and make sure you have adequate protection should the impossible actually happen!
Both Joe Kenny & Mumtaz Shah are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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