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Prior to making a road accident settlement claim, you will find specific problems which might affect liability. Council Immunity: This states that a subjects injury may limit an injury victim's ability to sue when the driver of the vehicle that causes an is a council employee who's working at the time of the accident, or where the accident requires a council-owned vehicle in view of a street accident compensation claim. Owner Liability: This states that even if a vehicle is borrowed to some third party, if a collision develops, the manager might be jointly responsible for damages caused by the third parties problem. Company / Employer Liability: This states that here an employee is driving a vehicle &quot;on the job&quot;, or within the course and scope of employment, the employer might be jointly liable for injuries caused by the employee's negligent driving conduct. Portable Phone Usage: Mobile phone usage whilst operating is forbidden in great BRITAIN. Employers may want to think about the following most readily useful practice recommendations. Mobile phones should be moved if the individual is driving to voicemail. Disaster calls only should be made / received when on the move Personnel must be encouraged to just make or receive calls - despite a package once they are safely parked far from the trail. Any accident caused in this manner may affect any road accident payment state. Insurance Policy  [http://www.sportscoverdirect.com/sports-accident-insurance/ thumbnail]   [http://www.sportscoverdirect.com/sports-accident-insurance/ personal accident insurance]  The insurance problems car accident victims have with insurance coverage usually belong to three categories: Uninsured Driver - Regrettably there are a growing number of people who are driving without the car insurance, an MOT and in some cases a driving license. In the united kingdom, there is a company called the MIB (no they dont use black suits) which means the Motor Insurers Bureau who cope with spending claims against uninsured drivers. This was create to supply victims of uninsured drivers ways to obtain a Aroad accident compensation claim that can then be reclaimed from the uninsured.  [http://www.sportscoverdirect.com/insurance/extreme-sports.html/ extreme sports travel insurance]  Underinsured Driver - Underinsured Motorist insurance could be the term used once the other vehicle's policy control is insufficient to pay for your entire damages. Your personal insurance company may purchase damages to your automobile caused by; anyone or firm who didn't have liability insurance at the time of the incident, provided you've a Typical Policy. Any person or company who had sufficient liability insurance coverage at the time of the accident, but for some reason, the company writing the insurance denies that their policy provides coverage for losing. Anyone or firm who didn't carry enough insurance to cover your problems entirely. You do not have any protection if your automobile is damaged by both an uninsured or under-insured driver, if you just have a Basic Policy. Insurance Company Bad Faith - worry and Anxiety are normal feelings caused when an insurance company will not pay. In many circumstances there can be a legitimate reason for the insurer not paying, but there have been a number of instances where the insurance companys refusal has been considered uncommon, illegal and in 'bad faith.' In legal terms, the insurance company has acted in breach of contract. ********************************************************************* If you want advice or would just prefer to talk with somebody, please dont hesitate to give a call to Claims Master Group on 08000 71 22 71. The Personal Injury, Accident State, No Win No Cost, Road Accident Settlement authorities.