By Marlon Fawkes. Last Updated 22nd March 2023. 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. If you’re wondering ‘could I claim for my home injury or home accidents?’, this guide could help.
We also introduce you to No Win No Fee claims, and explain how housing solicitors could help you without taking payment for their services upfront. Furthermore, if you’re intended property, we look at claiming landlord compensation for inconvenience, and stress caused by the accident. We even include a stress compensation calculator to assist you.
Further down 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.
Ready To Begin A Home Injury Claim?
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:
- What Are Accidents In The Home?
- Can I Claim Compensation If Hurt In Someone Else’s Home
- Common Types Of Injuries Caused By An Accident At Home
- Can I Claim Damages From My Landlord If They Are Liable?
- How To Claim For An Accident At Home
- What Could I Claim For A Home Accident?
- How Much Compensation Could I Receive For An Accident At Home?
- Housing Solicitors – No Win No Fee solicitors for Home Accidents
- Useful Links
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.
To find out if you are eligible to claim for an accident at home, call Accident Claims UK on the number at the end of this guide, and we will let you know whether you have a valid claim or not.
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.
If you need more advice on claiming compensation for an accident in the home of a friend or family member, call Accident Claims UK on the number at the bottom of this page.
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.
These are common reasons why people make a claim for an accident or injury at home. Call Accident Claims UK on the number at the end of this guide, and we can get your claim started today.
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.
Your accident at home claim may depend on the evidence you are able to provide of liability for your injuries. You could for example present:
- Pictures or video recordings of the damage to your home
- Complaints you may have made to your landlord about a hazard
- The contact details of family members or other witnesses to the cause of your injury that could provide a statement
You should also collect any evidence that can show your injuries, and how they have affected your life. For example:
- A medical report of your injuries
- Pictures you may have taken of your injuries following the accident
- Bank statements or receipts to show your financial losses
You can reach to one of our advisers for a free consultation on how you could be able to prove fault in your accident at home claim.
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)
Accident Claims UK can advise you on what types of damages you might be able to claim in your own case, call us on the number at the end of the page to find out.
You might be wondering how much compensation you could receive for a home injury sustained in an accident at home caused by your landlord failing to uphold their responsibilities.
Accident At Home Compensation Guidelines
We understand that you might want to know how much compensation you could receive before starting a claim. This is why we have put together the table below. It contains figures from the Judicial College Guidelines. We’ve used the 2022 edition for this table. It is a document solicitors and other legal professionals can use to help them value settlements for claims made in England and Wales.
However, these are only guidelines. They only relate to the general damages portion of your claim. This is the head of claim that compensates for the pain and suffering caused by your injuries.
|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 £148,330
|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 £56,080
|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 £69,700
|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 £201,490
|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 £282,010
|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 £201.490
|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 £59,860
|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 £130,930
|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 £21,810
|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 £54,830
|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 £160,980
Therefore, if you’d like to get an idea of how much you could receive, it might be wise to speak to our team. We could ask some questions to obtain further information about your case. Once we have the information we need, we could offer you further guidance on seeking compensation for an accident at home.
If you are looking for housing solicitors to assist you with claims for home accidents, you might wonder what options you could have. If so, you could benefit from working with a No Win No Fee solicitor under a Conditional Fee Agreement. This typically means you won’t pay for their services upfront, while the claim is ongoing or if the claim fails.
If your case succeeds, you will pay a success fee from your compensation. This is taken as a legally capped success fee.
No Win No Fee housing solicitors could put your case together professionally and negotiate for the maximum compensation that is suitable for your specific case.
To find out whether you could be eligible to claim for home accidents on a No Win No Fee basis, please call us. We could offer a free eligibility check. If you are eligible, we could then provide you with housing solicitors that work under No Win No Fee terms.
Contact Our Team
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.
- 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:
- 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, click here. You will find a guide to the process of making a compensation against them:
- A guide to making a claim if you have been injured due to your rented property being in disrepair:
- Find out how to claim for an injury during a driving lesson accident. Get advice on the claims process.
- Get more information on the dental negligence claims process and learn about how a solicitor could help you.
- Advice on broken chair accident claims. learn how to claim for a broken chair accident with our guide.