Who you claim compensation from via a personal injury claim is not always as obvious as it may appear. In a road traffic accident, it’s the negligent driver who injured you that’s first in line. But it’s usually their motor insurer who pays the compensation. And it’s that insurer you will sue if you have to raise a court action to ensure your claim succeeds and you secure a reasonable level of compensation. If the driver was at work at the time of the accident, you might also have a claim against the driver’s employers under the law of vicarious liability. What do we mean by vicarious liability? “Vicarious” experience is where you live your life through the experience of another person, as a housebound parent might experience the wider world through their student child reporting back on travels during a gap year. Or a precocious child, such as Calvin from Calvin and Hobbes, might claim that his Dad is trying to live Calvin's life vicariously because Calvin's Dad's life is Continue Reading
When your business insurers refuse to indemnify you
Businesses require to have Employers’ Liability insurance by law. This is so if an employee gets injured at work due to the employer’s breach of duty there is a guaranteed fund available to meet any claim. Public liability insurance covers organisations and businesses against negligence and breaches of duty which cause injury and loss to people other than their employees. This type of insurance is not compulsory by law but it is crucial to have in practice because even a single claim can be enough to bankrupt a business. Public liability claim against a small trade business We have come across a recent example of a public liability insurer refusing to cover a business for a claim against the business for fire damage to a house in Moray caused by probable negligence on the part of one of the employees of the business. This scenario gives rise to a valid claim against the business on the basis of vicarious liability. Alleged negligence leads to under-floor fire at domestic Continue Reading
Vicarious Liability: How It Can Help A Work Accident Claim To Succeed
If you have been injured at work by the negligence of a fellow employee or in any situation by a person who was acting in the course of their employment, your claim can be based on what is known as vicarious liability. Often there will be other grounds of claim too but the most common use of negligence as a means of winning an employer’s liability case is vicarious liability. Vicarious liability is the legal doctrine that shifts the blame for an injury onto a person or organisation that did not directly cause the injury but which employed the person who did act negligently. The employer has to take responsibility for the negligence of the employee because the employee is deemed to be an agent of the employer. If an employee is to blame for causing an accident and was acting within the general scope of his or her employment at the time, the injured person will be able to claim against the employer. The theory of vicarious liability is one thing. In practice, it is not always Continue Reading