Insurance

Things that Constitute a Public Liability Claim

You may already be aware of the prevalence of public liability claims. On the one hand they’re lambasted by media as a form of nannying the population, and encouraging an American system of justice as an extravagant game-show-like money grab, while on the other we’re told to make sure we don’t let negligence go unchecked and to claim money that’s rightfully ours. Wherever you stand on the issue, it pays to know about public liability.

You may already be aware of the prevalence of public liability claims. On the one hand they’re lambasted by media as a form of nannying the population, and encouraging an American system of justice as an extravagant game-show-like money grab, while on the other we’re told to make sure we don’t let negligence go unchecked and to claim money that’s rightfully ours. Wherever you stand on the issue, it pays to know about public liability.

The term refers to any accident that takes place in a public area, and is caused by some aspect of that area, rather than the personal contribution of some party within that space. For example a person being hit by a car in a public space is probably the fault of the driver of that car, while a person falling off a slippery pavement is a public liability. With this distinction in mind it’s clear that most accidents will involve some kind of serious fall.

Another frequent claim relates to accidents involving poorly lit area or objects such as road works or skips. If these hazards have been left unmarked they can lead to people falling, or colliding with hard objects. The injuries involved can be severe, and the compensation is accordingly higher too. Again this can be a case of claiming against the local council, or against the construction business that has failed to ward people off from the localised dangers.

It may not seem like something that could potentially cause a lot of harm, but badly parked cars also account for a lot of public liability cases. If a vehicle obstructs the pavement it can lead to people tripping, or moving into a hazardous location, and incurring injuries as a result. Sometimes this involves claiming against the personal owner of the vehicle, and receiving payment from their insurance company, while at other times it may be the fault of poor council planning.

It should be clear from this that public liability can involve a variety of situations and injuries, with many other types beyond these few examples, but in every case the person involved can try to claim suitable compensation.

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