Holiday Accident Claims: What You Need to Know

Although holidays are meant to be associated with some much-needed rest and relaxation, there are unfortunate times when accidents can occur.  There are generally two different categories regarding this subject.  These are accidents which fall under the jurisdiction of a package getaway and those which you (or your travel insurance company) are liable for.  Let us look at each of these in more detail so you know where you stand.

Personal Responsibility

In this sense, we are referring to an accident that may occur when you are using a separate car hire service, when you are out and about on your own accord or if you become injured while performing a high-risk physical activity such as skiing or hiking.  These instances will normally be protected with a robust travel insurance policy.  Without such a plan in place, you may very well find that you are obliged to pay significant out-of-pocket costs.  

Accidents Which are Covered by a Travel Organiser

The second type of accident is one which must be addressed by a package travel organiser.  However, we should note here that there are some limitations in this case.  Two common examples of this type of accident can be seen as:

• An accident that occurred at your hotel.
• An accident that took place while on an excursion approved by the organiser.

Still, recall that if you violated rules or acted in manners that were forbidden by the company, it is not likely that you will be able to claim any type of compensation.  For example, if you used a piece of equipment the wrong way or if you tripped and fell in the hotel as a result of intoxication, any financial obligations will be your sole responsibility.  You will therefore need to prove that you were not at fault.  This is why the next step is so very crucial.

Reporting the Accident

Much like a vehicular accident, you need to report the incident as soon as humanly possible.  In the majority of cases, you should contact the event organiser or an official representative of the company.  If no such individual is physically present, speak with a representative via telephone to relate the specifics of the event.  If this is not possible, report the accident to the hotel management.

Also, be sure to collect any documentation that you may be provided such as police reports or medical statements.  These will be extremely important during the claims process and without them, you may be denied further compensation.  If there were any witnesses to the event, make certain to get written statements. These could be crucial in the event that your claim goes to court.  If it is possible, take photographs of where the accident occurred.  This is even more important if you were injured as a result of unsafe equipment or faulty maintenance issues. 

Once you return to the United Kingdom, you should begin the claims process as soon as possible.  This is important, for there can be a statute of limitations in regards to how long you are allowed to file a grievance before the time limit expires.  Secure the services of a solicitor to make certain that you are aware of your rights.  This professional will also help to determine whether or not you have a legal precedent for asking for any type of compensation.

Whether you file a claim against your holiday provider or you instead require remuneration from a travel insurance plan, these are some of the most basic and important factors to keep in mind if you have become injured during any holiday.