By Joanne Jeffries. Updated 24th January 2022. Welcome to our home accident insurance claims guide. In it, we discuss accident at home compensation, showing how to file a claim against someone else’s homeowners insurance, and revealing how much accident at home claims could bring you.
On this page, you will find a guide to the legal process of making a compensation claim for an accident at home. You may believe that if you are injured in your own home, you won’t be able to make a compensation claim for your injuries. And while in many cases this could be true, there are circumstances where you would be able to claim. For example, being assaulted, being injured by a faulty piece of equipment, or falling foul of a hazard that has been caused by your landlord.
You will find all of the information you need to educate yourself about the process of making a home accident claim in this guide. However, you don’t need to read all of it. You can just read the parts that are relevant to you. If you need any additional information, or are ready to move your claim forward, give Accident Claims UK a call on 0800 073 8801 today.
Select A Section:
- A guide to claims for accidents at home?
- What are accidents in the home?
- I was partially responsible for my accident at home, can I still claim compensation?
- Can I claim compensation if hurt in someone else’s home?
- Statistics for the type and frequency of accidents in the home
- Common types of injury caused by accidents in the home
- I was attacked or assaulted at home, could I make a claim?
- Can I claim compensation if hurt due to faulty equipment in the home?
- Can I claim damages from my landlord if they are liable?
- How long do I have to make a claim if hurt in an accident at home?
- What steps should I take after being hurt in an accident in the home?
- What can I claim for after an accident in the home?
- Calculating compensation for accidents in the home – Updated July 2021
- No win no fee compensation claims for accidents in and around the home
- How Accident Claims UK can help you to make a compensation claim
- Contact our specialist team today to find out more about how to file a claim against someone else’s homeowners insurance
- Useful Links relating to how to file a claim against someone else’s homeowners insurance
A Guide To Claims For Accidents At Home?
This guide contains information and advice that will help you understand how to make an accident at home claim. It covers everything from the issues of eligibility and liability, to the financial aspects of a claim. The guide begins by covering the basics of accidents at home, and whether you are eligible to make a claim if you were partially at fault, and also whether you are liable to pay compensation if a person is injured in your home.
The guide moves on to cover some of the most common types of accidents in the home, and then tackles to specific subjects of assault, faulty equipment, and hazards that your landlord has caused. Next, the guide covers some of the key facts of making a claim, such as the time limits you have to make a claim within. Although we have not included a personal injury calculator on this page, you will find a table that lists typical payment amounts for a range of injuries. We also list the typical types of damages your settlement could consist of.
Finally, we introduce the Accident Claims UK national claims service, how it works and why we believe it is the best way for a person to have their home accident claim processed.
What Are Accidents In The Home?
Understanding just what accidents in the home are, is an important part of learning about accident at home claims. A simple definition would be:
An accident in the home that could be the basis of a compensation claim, is any accident whereby the injuries were caused by the actions of a third party.
What this means is, that as long as the accident was somebody else’s fault, such as your landlord, you could be able to make a claim. Typical reasons why you might be eligible to make a claim for an accident at home are:
- You were injured in an assault that took place in your home.
- You were injured through the actions of your landlord, or local housing authority.
- You were injured by a workman or maintenance person working on your property.
- You were injured by a faulty product or piece of equipment.
I Was Partially Responsible For My Accident At Home, Can I Still Claim Compensation?
Making claims for accidents in the home where you are partially to blame is still possible. The way that the law in the UK works, is that blame can be apportioned across both parties, the defendant and the claimant. For example, the defendant could be found to be 70% to blame for the accident that caused the injuries. And in this case, compensation based on 70% of the claim would be awarded.
If you are unsure whether you are able to make a home accident claim, even though you were partially to blame for the accident, call Accident Claims UK on the number at the end of this guide. Once we know a little more about your accident and how it happened, we will tell you whether we think you can claim or not.
Can I Claim Compensation If Hurt In Someone Else’s Home?
If you are injured while visiting the home of another person, then yes, you will still be able to make an accident at home claim. The same considerations apply though. The accident must have been the responsibility of a third party. The difference here, is that third party could be the person whose home you are visiting. However, keep in mind that it won’t be the friend or family member you are visiting that will be pursued for compensation. It will be the insurance firm that provides their home insurance policy.
Statistics For The Type And Frequency Of Accidents In The Home
The graph above was created from data that was provided by RoSPA, and it shows the most common injuries that children suffer from in accidents at home. In total (including children and adults), there are on average around 6,000 fatal accidents that take place in a home in the UK every year. The most commonly injured people in accidents at home are the elderly over 65 years of age, and children under the age of 5.
Accident Claims UK can help you claim compensation if your child has been injured in your home. You will act as the litigation buddy in this case. Call us on the number at the end of this page to find out more.
Common Types Of Injury Caused By Accidents In The Home
There is a myriad of reasons why a personal injury solicitor may be able to process a claim for an accident at home on your behalf. However, some types of accidents occur far more frequently than others, and these include:
- Carbon Monoxide poisoning due to badly maintained ventilation.
- Being burned by faulty heating equipment.
- Slips, trips and falls.
- Electrocution caused by faulty or badly maintained wiring.
- Physical assault by a friend, family member or member of the public.
I Was Attacked Or Assaulted At Home, Could I Make A Claim?
If you are assaulted in your own home, you will be able to make a compensation claim. If you are assaulted physically by somebody who has forced entry into your home, then you would be able to make a claim against the Criminal Injuries Compensation Authority (CICA). This is a UK Government run organisation that provides funds for compensating anyone who has been injured due to criminal activity. This is because, even if the culprit is apprehended, it is unlikely they could compensate you fully.
Can I Claim Compensation If Hurt Due To Faulty Equipment In The Home?
A personal injury lawyer will be able to process your claim for an injury caused by faulty equipment in your home, as long as the party responsible for the equipment was at fault. For example, if you water heating system malfunctions, and you are scalded due to the water being far too hot, then you may be able to claim against:
- the company that installed the system, or
- the company that maintains the system, or
- the company that made the faulty component of the system.
Accident Claims UK can help you to decide just who you need to make a claim against if you are injured by faulty equipment in your home. Call us on the number at the bottom of the page to find out how.
Can I Claim Damages From My Landlord If They Are Liable?
Every landlord is legally obliged to conform with all of the legislation that is laid out in the Landlord and Tenant Act 1985. This legislation is in place to protect UK citizens from the actions of dishonest landlords. If your landlord fails in their obligation, and this can include your local housing authority if you are in Government provided housing, you will be able to make a compensation claim.
Accident Claims UK can help you to make a compensation claim against your landlord, if their actions have caused you harm in some way. Call us on the number at the bottom of the page to proceed with your claim today.
How Long Do I Have To Make A Claim If Hurt In An Accident At Home?
In the UK, the law states that you have a personal injury claims time limit of three years in which you must start your claim. The time is counted either from:
- in the case of an injury caused by an accident, the date the accident took place, or
- in the case of an illness caused by the actions of a third party, from the time that the illness was first diagnosed.
What Steps Should I Take After Being Hurt In An Accident In The Home?
In order for people to have the best chance of being successful in their personal injury claims, we recommend they take steps such as these below:
- Photograph the location and the cause of the accident.
- Visit the hospital to have your injuries treated.
- Report your accident to your landlord if you are renting.
- Begin to keep a record of all losses that you suffer due to the accident.
What Can I Claim For After An Accident In The Home?
If you are successful in your claim for a home accident, the settlement you receive will be made up of several different types of damages, for example:
- Special damages (non-physical):
- Travel costs
- Private medical fees
- Home care costs (nursing or cleaning)
- Loss of income (current through missed work)
- Loss of future earnings (due to lowered future earning potential)
- General damages (physical):
- Pain and suffering
- Mental trauma
- Psychological damage
- Long recuperation (painful with lowered life quality)
- Permanent disability (lowering life quality)
Calculating Compensation For Accidents In The Home – Updated July 2021
The table below is based on the judicial compensation guidelines for personal injury in the UK. This should give you a rough idea of how much you might be able to claim.
|Neck||Minor - severe||Injuries will generally range from soft tissue damage (cuts, lacerations and bruising), through nerve or muscle damage, and fractured vertebrae, to total paralysis of the neck.||Up to £139,210|
|Toe||Moderate - severe||Injuries will generally range from simple cuts, bruising and lacerations, through sprains and dislocations, to total loss of one or more of the toes.||Up to £52,620|
|Ankle||Minor - severe||Injuries will generally range from cuts, lacerations, abrasions and bruises, through sprains, tendon damage and fractures, to complete paralysis of the ankle.||Up to £65,420|
|Foot||Minor - very severe||Injuries will generally range from soft tissue damage including bruising, cuts, and lacerations, through sprains, nerve damage and fractures, to totally amputation of one or both feet.||Up to £189,110|
|Leg||Minor - severe||Injuries will generally range from cuts and cruises to the soft tissue, through sprains, nerve and tendon damage, fractures of the long or short bones of the leg, to either above or below the knee amputation of one or both legs.||Up to £264,650|
|Hand||Minor - serious||Injuries will generally range from soft tissue damage including bruising, cuts, and lacerations, through sprains, nerve damage and fractures, to totally amputation of one or both hands.||Up to £189,110|
|Wrist||Minor - severe||Injuries will generally range from cuts, lacerations, abrasions and bruises, through sprains, tendon damage and fractures, to complete paralysis of the wrist.||Up to £56,180|
|Arm||Moderate - severe||Injuries will generally range from cuts and cruises to the soft tissue, through sprains, nerve and tendon damage, fractures of the long or short bones of the arm, to either above or below the elbow amputation of one arm.||Up to £102,890|
|Finger||Minor - severe||Injuries will generally range from simple cuts, bruising and lacerations, through sprains and dislocations, to total loss of one or more of the fingers.||Up to £23,460|
|Thumb||Minor - severe||Injuries will generally range from simple cuts, bruising and lacerations, through sprains and dislocations, to total loss of one or both of the thumbs.||Up to £51,460|
|Back||Minor - severe||Injuries will generally range from soft tissue damage (cuts, lacerations and bruising), through nerve or muscle damage, and fractured vertebrae, to total paralysis of the back.||Up to £151,070|
For a much more accurate estimate, call Accident Claims UK on the number at the end of this guide. Once we have learned a little more about your claim, we can give you an indication of how much you might receive in compensation.
No Win No Fee Compensation Claims For Accidents In And Around The Home
Accident Claims UK can process your home accident claim under a No Win No Fee agreement. This means that you pay nothing at all until the time you actually win a compensation settlement. We charge nothing at all to take your claim on, and nothing at all during the time we are processing your claim. If, for some reason, we are unable to successfully win you any compensation, we still charge nothing. The only time we will take a fee, is when we have received a compensation payment for you. At this stage, we will take our pre-agreed percentage as a fee and send you the remainder. Give us a call on the number below if you need any more information on how this Conditional Fee Agreement (CFA) works.
How Accident Claims UK Can Help You To Make A Compensation Claim
Here at Accident Claims UK, we could show you how to file a claim against someone else’s homeowners insurance and could provide a solicitor to help you. All of our lawyers work on a No Win No Fee basis, and we have the experience and knowledge needed to fight for the maximum compensation possible for your accident at home claims.
We pride ourselves on our customer service and we have great feedback from former clients. We’d be happy to talk to you in jargon free language, helping you understand every step that is involved in making a successful home accident insurance claim. Why not get in touch with our team for a free evaluation of your claim, and to talk to us about the service we offer and how we could help.
Contact Our Specialist Team Today To Find Out More About How To File A Claim Against Someone Else’s Homeowners Insurance
Have you been injured in an accident at home? Do you believe you may have a valid reason to make a personal injury claim? If so, give Accident Claims UK a call now on 0800 073 8801. One of our team is ready and waiting to talk you through our new claims onboarding process, so we can get started on getting you the compensation that is rightfully yours straight away.
Useful Links Relating To How To File A Claim Against Someone Else’s Homeowners Insurance
At the link below, you will find UK Government information regarding the Criminal Injuries Compensation Authority:
At the link below, you will find details on the obligations of a landlord in the UK:
At the link below, you will find a guide to the process of making a compensation claim for a slip, trip or fall accident:
If you have been injured due to the actions of your landlord, at the link below, you will find a guide to the process of making a compensation against them:
At the link below, you will find a guide to making a claim if you have been injured due to your rented property being in disrepair:
Home accident FAQs Find out more about how to file a claim against someone else’s homeowners insurance
Could I claim accident at home compensation for house fires? How common are they?
Are you wondering how to file a claim against someone else’s homeowner insurance for fire injuries? If so, you might be wondering how common such incidents could be. If we take a look at the statistics from the government that relate to dwelling fires, you can see how the number of house fires has fallen somewhat in recent years. However, this does not mean they do not happen.
How to file a claim against someone else’s homeowners insurance for fire
We should mention that to make home accident insurance claims against a landlord, you would have to prove that it was their negligence that led to the fire. This could be by not performing fire safety checks and annual gas checks, for example. To find out whether you could claim, please contact our team.
How to file a claim against someone else’s homeowners insurance – What is the cost of a home accident?
The most recently updated statistics from ROSPA were from 2009. At the time of posting they were on average £15,000 per casualty. You can see how this is split across slight, serious and fatal accidents here.
I’m thinking of making a home accident against my landlord – should I withhold my rent as compensation instead?
We would strongly advise anyone seeking to make a claim against a landlord to get legal advice and support. We would encourage those taking action against landlords for disrepair not to withhold rent, as this could put their home at risk. Non-payment of rent could give a landlord the right to start proceedings against the tenant. Please speak to our team for further advice on this.
How to file a claim against someone else’s homeowners insurance – Can I claim for psychological injuries for a home accident?
Mental health is just as important as physical health and we understand that a home accident may cause psychological injuries as well as physical ones. The courts recognise that those suffering psychiatric or psychological injuries could be eligible for compensation for such injuries. If you would like to make a claim for psychological harm caused to you by a home accident that wasn’t your fault, please speak to our team. We’ll give you the guidance and support you need to make a claim for compensation.
How to file a claim against someone else’s homeowners insurance -How do I evidence special damages?
If you intend to claim care costs, travel expenses, loss of earnings or even medical expenses, you will need to submit proof that you have encountered these expenses. Payslips, receipts and bank statements could all be useful in doing so.
Thank you for reading our guide to home accident claims.