Author: Vicki Churchill
Source: ezinearticles.com

If you have had an accident within the last three years which was caused through no fault of your own, you may be able to use your basic homeowners insurance policy to fund bringing a legal claim for compensation.

There are many different types of personal injury, for example, slip or trip claims, accidents whilst on holiday, road traffic accidents, assaults or even injuries which occur as a result of an industrial accident.

The normal time limit for bringing a personal injury claim is three years from the date of the accident.

It is important to preserve any evidence or information which may be used to support your personal injury claim. Here is a short list of some things you should think about doing if you have recently suffered a personal injury. This list is not exhaustive and depending on the circumstances there may be much more information to gather.

It is useful if you are able to keep a diary of the events surrounding your accident. (I.e. exactly what happened, the date, place and time of accident, what happened straight after the accident, medical treatment provided with and so on.)

Make sure you record the names and addresses of any witnesses.

Keep a note of the details of who was responsible for your accident.

Obtain photographs of the area in which your accident occurred.

Be certain to record your accident in any available accident book.

Most people may not be aware that basic homeowners insurance will usually have legal expenses insurance attached to it. The amount of legal expenses cover varies depending on the policy. If you are unsure as to the exact amount you can easily check by contacting your insurer or if you have a copy of your insurance schedule it should state the amount on there.

Legal expenses insurance is not always automatically attached to a basic homeowners insurance policy. Again if you either contact your insurer or check your policy schedule you will be able to ascertain whether you do in fact have legal expenses cover or not.

Once you have discovered that you do have potential legal expenses cover you will need to telephone the provider and request a claim form. It is worth noting that the legal expenses provider is normally a different company to your insurance company. You will find details of how to lodge a claim and who to contact in your basic homeowners insurance policy.

The claim form itself is normally very straightforward and requires some personal information, such as your name and address. It will also ask for details of the events surrounding your personal injury claim. It is normally a good idea to provide copies of any witness statements and photographs together with any other evidence you may have available. Once you have completed your claim form you need to send it to your legal expenses provider and not your homeowners insurer.

If you would like to know more about making a personal injury claim under your homeowners insurance visit basic homeowners insurance now!