If you were injured or became ill and someone else was responsible, you may be able to get compensation.

We recommend using a solicitor to present your case expertly and make sure you have the right medical evidence.

Start your claim as soon as possible. Most personal injury cases need to be brought to court within three years of you becoming aware of your illness or injury.

How much you could receive

There is no fixed sum you may receive because each case is different. Your solicitor can advise you.

Find a solicitor

Some solicitors may have a Law Society accreditation, or other recognised accreditation. This shows they are an expert in a particular area.

Our Find a Solicitor website helps you find a solicitor near you. It also shows if they have a Law Society accreditation, including for personal injury.

Find a solicitor

What to bring

Bring any evidence you have about your accident or illness, for example a video of you driving or cycling.

Ask your solicitor what else you should bring, for example medical evidence.

Fees

Solicitors set their own prices for services they provide. You can call them or check their website to find out more about their fees.

When you first meet, they may offer you a free consultation or ask for a one-off payment.

Some solicitors offer no win no fee or fixed cost payment arrangements. This could limit how much making a claim will cost you. You may also be able to get help paying for legal services.

How long your case may take

This will depend on:

• your individual case
• how cooperative the other side is
• if your case goes to court
• if you come to an agreement out of court

For a short-term injury, the case may be resolved in weeks. If it is more serious, it could take between two and four years to settle.

If you have become permanently disabled as a result of your accident or illness, or if your case goes to trial, it could take even longer.

Medical evidence

If you have evidence about your injury or illness, like a medical certificate, bring that to your meeting with your solicitor. They can advise you on other medical evidence you may need to collect.

Medical evidence information on Citizens Advice website

Doctor note information on NHS website

When you rent a car, you’ll be asked at checkout if you’d like to add insurance. Cue a few moments of slight panic — does my car insurance cover rental cars? Would it be enough if something happened while you were driving the rental car? Will you be driving without legally required insurance coverage? Is it necessary to buy rental car insurance?
Here’s what you need to know to decide whether it’s necessary to buy rental car insurance.

How to Know If Your Car Insurance Covers Rentals
In general, the insurance options offered by a rental company overlap with insurance policies you already have. However, each insurance policy is unique, and you should always check with your insurance agent prior to renting a car. When you talk to your insurance agent, explore the following coverages on your policy to determine whether you should purchase rental car insurance.
Liability Insurance
States require all drivers to have automobile liability insurance to cover injuries to another driver and damage to others’ property if you’re involved in an at-fault accident. However, if you only have the minimum legally required liability coverage, you may want to increase your coverage while renting a car to ensure you are properly protecting yourself.
Comprehensive and Collision Coverage
If you have full coverage, that means you have comprehensive and collision insurance that provides coverage to your automobile for incidents while you’re driving (such as hitting a pole) or when you’re not driving (like storm damage or theft). You should check with your auto insurance company to determine whether or not your full coverage covers rental cars. In the event of an accident involving a rental car, you would most likely still be required to pay your insurance policy’s deductible.
Beware — even if the damage to a rental car is covered by your insurance, turning down rental protection offered through the rental agency may make you liable for lost income to the rental company if a car you’re driving has to be taken out of commission for repairs as well as any diminution in value of the vehicle involved in the accident.
Injury Protection
If you have health insurance, any kind of PIP (personal injury protection) or MedPay, the injury protection offered through the rental company could be redundant.
Homeowners or Renters Insurance
What if your possessions are stolen from a rental car? If you have homeowners or renters insurance, coverage would likely extend to any personal items that are stolen from a rental car (but be sure to file a police report).
Credit Card Coverage
You may have rental car insurance through your credit card company if you use the card to pay for the rental. Call the phone number on the back of your credit card to figure out if this is a service they provide.
Travel Insurance
If you have purchased travel insurance, car rental collision coverage may be included. But make sure you confirm what is covered — you never want to assume a higher level of protection than what actually exists. This type of coverage is typically secondary insurance, meaning it would pay out only after your primary auto insurance.  Therefore, you may not want to forego this additional coverage if this is the only other form of insurance you have.
Sometimes It’s Worth It
If you don’t have coverage, such as if you don’t own a vehicle or have protection through a credit card, you should purchase insurance either through the rental agency at the counter or a third-party provider before you pick up the car. Here are some cases when it may make sense to purchase rental car insurance from the car rental agency.

• If you have a high-deductible plan, you may want to explore the insurance options at the rental agency, as you may be able to secure a lower (or no) deductible.
• If you have minimal coverage or are renting a car worth significantly more than your personal car, you should consider purchasing additional coverage through the rental agency.
• Any claim made against your personal auto insurance may impact your premium; if that’s a concern, consider purchasing additional coverage.
• If you are traveling for a significant length of time, you should confirm with your insurance provider that there are no time limits on rental coverage.
• Additionally, if you are traveling for business, you should confirm that your personal insurance will extend to the business rental.
• Your policy may not extend to overseas rentals, and some local laws may prevent you from leaving until you’ve paid for any damages. Make sure that any travel to a country outside the United States is covered by contacting your insurance company directly.
• If you are concerned about your coverage, the roughly $30 per day you pay to be covered through the rental agency may be worth it for your peace of mind.

Connect With an Agent
The best thing you can do is to be informed about what your policies cover before you step up to the counter. If you already work with a Farm Bureau agent, contact them directly to discuss your policy. If you work with another company and are unhappy with your coverage, talk with your local Farm Bureau agent.

The word "Insurance" is
certainly not foreign to the ears of many people. Although the term
"Insurance" is already popular, the majority of Indonesians still
don't have insurance.

Referring to data from the FinancialServices Authority (OJK), Indonesian people's understanding of insurance andits use is still minimal.

This is reflected in the level ofpenetration or ownership of insurance by the Indonesian people. Based on OJKdata quoted by Bisnis Indonesia, July 2021, the insurance penetration rate in2019 reached 2.81%. This figure increases to 2.92% in 2020 and 3.11% in June2021.

This condition is caused by thepublic's misunderstanding when buying the policy and the insurance claimprocess. Another reason is also triggered by the various types of insuranceoffered by insurance companies. As a result, many people, especially those whoare new to insurance, are confused in understanding the benefits of eachinsurance offered.

Before finding out the benefits ofinsurance, let's understand together about insurance. Referring to the OJKwebsite, insurance is an agreement between insurance service providers (asinsurers) and the public (as policy holders).

The rights and obligations betweeninsurance services and policyholders have been regulated. Where the policyholder is entitled to protection for compensation for loss, damage, and deathfrom insurance service providers. However, rights will be obtained when thepolicy holder performs the obligation to pay premiums to the insurance company.

Basically, insurance offers goodbenefits in minimizing the risk of uncertainty that comes unexpectedly.

At least, there are five insurancebenefits that you can get, namely:

• Protectincome from sudden risks.
• Protectmoney saved to realize future plans.
• Protectthe family's future when death comes.
• Protectsphysical and mental health in the event of an accident risk.
• Providesfuture protection from investments.

So that the insurance benefits are asyou expect, then before choosing and paying for a policy, first identify thetypes of insurance that are available

Here are thetypes of insurance that you can choose

1. Life Insurance

This type of insurance will providefinancial benefits in the event of death, sudden illness, or total or partialpermanent disability due to an accident or illness.

Before choosing life insurance,understand the systems and methods offered. There are insurance providers thatapply a payment system after death. However, there are also those that allowthe Policyholder to claim funds before his death.

2. HealthInsurance

Health insurance is one of the mostpopular insurance products. Health insurance takes care of health problems andprotects you financially in covering costs starting from the process of treatingthe illness you suffer to recovering. In general, the types of diseases thatcan be covered by this insurance include disability, illness, and death.

To choose the type of policy to betaken, you may adjust it according to your financial ability. For example, ifyou want to buy a health insurance product, you may choose a health insuranceproduct that includes only inpatient care or only outpatient care.

3. EducationInsurance

Setting up an education fund early onis a way to protect your child's future. Education insurance is one option thatprovides protection benefits for education.

There are two types of educationinsurance offered, namely endowment insurance and unit link insurance.Dual-purpose insurance, is a combined product of life protection combined withmarket instruments such as deposits. This type of insurance will protect thechild's education costs if the parents suddenly die or are completely disableduntil they are no longer able to earn a living.

Unit-linked education insurance is acombination of life and investment insurance. The profit from the investmentcomponent is divided according to the level of education of the child.

4. InvestmentInsurance

You can get insurance as well asinvestment which is also known as unit link insurance. As the name implies,unit link insurance provides benefits in the form of protection and cash valuederived from the development of investment funds according to the availableinvestment options.

As the name implies, unit linkinsurance offers two benefits, namely protection and cash value from thedevelopment of investment funds. So, from the total premium deposited by thepolicyholder, some funds are allocated for protection costs and some areallocated for investment.

Unit link insurance provides protectionin the form of life, health, accident and critical illness protection.Meanwhile, the cash value contained in unit-linked insurance can be used laterto pay insurance premiums when the policyholder has retired or has no income.Thus, the Insurance policy remains active. In addition, the cash value of unitlink insurance can also be used for other financial purposes.

5. VehicleInsurance

Vehicles also need to be protectedfrom unwanted things, such as loss or damage. The benefit of buying a vehicleinsurance premium is that it provides protection and a sense of financial peaceif we are faced with the risk of vehicle damage.

In addition, having vehicle insurancealso makes your car's selling price position more competitive.

6. AccidentInsurance

Generally, people don't look ataccident insurance much because they think the company they work for hasprovided protection against accidents at work.

But try to review your activities andworking conditions. If your job falls into the category of accident risk-prone,you should buy an accident insurance product. This is because risks can occuranytime and anywhere, whether on the road or at work.

7. CorporateInsurance

Corporate insurance is a groupinsurance that provides protection to employees of a corporation. Companiesgenerally provide corporate insurance to maintain employees as a valuable assetfor business continuity.

There are various benefits offered bycorporate insurance. Some of the popular types of corporate insurance are grouplife insurance and group health insurance. Because this insurance offersprotection to employees of a corporation or company, the policyholder'sparticipation only lasts while he is still an employee at the corporation.

8. Old AgeInsurance

Old age insurance is an insuranceproduct that offers protection and guarantees to policyholders when they are ofretirement age. Retirement age is when you are no longer productive and can nolonger make money.

By buying an old-age insurance policyearly on, it will help you prepare your retirement fund for old age, especiallyfor those of you who don't get retirement money from your workplace.

So, what is the difference betweenold-age savings and old-age insurance? Old age insurance provides more benefitsthan ordinary savings. You can plan your retirement with old-age insurance. Forthe amount of premium, you can also choose according to your financial ability.

Research Claims

After knowing the type and benefits ofinsurance that you need, it is better if you also understand the process ofdisbursing insurance claims. Understand all your rights and obligations as aconsumer and also understand the insurance company that will issue your policyin the future.

You must check again, the name of theInsured, the amount of Premium, Sum Insured (UP), duration of insurance,insurance costs, investment instruments and other facilities according to theagreement between the insurance service provider and the policy holder.

Also learn about the waiting periodfor policy disbursement. Each Insurance has a different method of disbursement.

Tips for you, before making anagreement with an insurance company, you should study it carefully first. Youdon't need to rush, because, according to Financial Services AuthorityRegulation (POJK) Number 69/POJK.05/2016, prospective policyholders have theright to study the policy (cooling down period/freelook period). The time givenis at least 14 (fourteen) days since the policy is received.