What Is Personal Injury Cover?
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Ever hurt yourself at someone else's fault? Mates, accidents happen. Personal injury cover protects you, Aussies! Learn what it is, what's covered, and how to choose the right type. Let's dive in!
Understanding personal injury lawyers in Perth Injury Cover
Now, personal injury cover isn't a one-size-fits-all deal. There are different types to cater to various situations:
Accident & Illness:
This broad cover protects you for injuries and illnesses, regardless of who's at fault. Whether you slipped on the sidewalk or got struck down by the mozzies, this type can offer financial support for things like medical bills, lost wages, and even pain and suffering.
Specific Situations:
Sometimes, you might need more targeted protection. This is where specific cover comes in:
● Car Accidents: Compulsory Third-Party (CTP) insurance is mandatory for all registered vehicles in Australia. It covers medical expenses and lost wages for injuries sustained in car accidents, regardless of who was at fault.
● Work-Related Injuries: If you get injured on the job, you're generally covered by WorkCover, a government scheme that provides compensation for medical treatment, lost wages, and permanent disability benefits.
● Public Liability Insurance: This protects businesses and individuals from being liable for accidental injuries they cause to others on their property or during an activity they organise.
Remember, it's crucial to understand the exclusions and limitations of each type of cover. Don't get caught out with unexpected gaps in your protection!
Making a Claim
Time Limits:
● Act Fast: Each state and territory sets time limits for lodging claims. Don't delay! Contact your insurer or legal professional ASAP, usually within a few weeks of the injury. Missing deadlines can jeopardise your claim.
Evidence Gathering:
● Document, Document, Document: Gather written evidence of your injury and accident. This includes:
○ Medical records: Obtain copies of doctor's reports, prescriptions, and treatment invoices.
○ Accident details: Date, time, location, witnesses' contact information, photos of the scene (if possible).
○ Financial records: Paystubs, tax returns (to establish lost income), receipts for related expenses.
Understanding personal injury lawyers in Perth Injury Cover
Now, personal injury cover isn't a one-size-fits-all deal. There are different types to cater to various situations:
Accident & Illness:
This broad cover protects you for injuries and illnesses, regardless of who's at fault. Whether you slipped on the sidewalk or got struck down by the mozzies, this type can offer financial support for things like medical bills, lost wages, and even pain and suffering.
Specific Situations:
Sometimes, you might need more targeted protection. This is where specific cover comes in:
● Car Accidents: Compulsory Third-Party (CTP) insurance is mandatory for all registered vehicles in Australia. It covers medical expenses and lost wages for injuries sustained in car accidents, regardless of who was at fault.
● Work-Related Injuries: If you get injured on the job, you're generally covered by WorkCover, a government scheme that provides compensation for medical treatment, lost wages, and permanent disability benefits.
● Public Liability Insurance: This protects businesses and individuals from being liable for accidental injuries they cause to others on their property or during an activity they organise.
Remember, it's crucial to understand the exclusions and limitations of each type of cover. Don't get caught out with unexpected gaps in your protection!
Making a Claim
Time Limits:
● Act Fast: Each state and territory sets time limits for lodging claims. Don't delay! Contact your insurer or legal professional ASAP, usually within a few weeks of the injury. Missing deadlines can jeopardise your claim.
Evidence Gathering:
● Document, Document, Document: Gather written evidence of your injury and accident. This includes:
○ Medical records: Obtain copies of doctor's reports, prescriptions, and treatment invoices.
○ Accident details: Date, time, location, witnesses' contact information, photos of the scene (if possible).
○ Financial records: Paystubs, tax returns (to establish lost income), receipts for related expenses.
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