Palmers Compensation Lawyers specialise in all forms of personal injury claim, including Injury & Disability Insurance Claims. We offer our injury compensation services to Queensland and New South Wales on a NO WIN NO FEE basis, with NO UPFRONT COSTS for you.
We also have a FREE Legal Advisory Service operating 24 hours a day, 7 days a week, where you can receive expert advice as to whether you have a personal injury or insurance claim to pursue, and what your claim entitlements are.
What Are Injury & Disability Insurance Claims ?
Injury & Disability Insurance Claims are claims that you may have under insurance policies providing compensation where you suffer an injury or disability. Some policies of insurance relate to the injury impacting upon your work, but some policies simply provide you an insurance payment if you suffer a certain type of injury.
Many people are not even aware that they have such insurance policies that they can claim under when injured or disabled by injury or illness. These insurances can be policies specifically taken out to cover you in the event you suffer an injury or are disabled, such as an income protection insurance policy, and usually client's are aware of these policies. But in some cases, injury & disablement insurances can be included in insurances you hold but are not obvious to you because the policy has been taken out for another specific type of insurance, for instance, a Life Insurance Policy. It is always good idea to check all the insurance policies you have taken out when injured, to ensure that you are not missing an insurance payment entitlement.
If you take out travel insurance for that overseas holiday, the policy may not just be limited to covering your medical expenses overseas if injured. It may have an injury & disability insurance included to provide you with a lump sum payment to compensate you for your injury.
Insurances attached to credit cards, personal loans, mortgages, vehicle finance & Superannuation Funds
Sometimes there is injury & disability insurance attached to credit cards, personal loans, vehicle finance, mortgages, travel related purchases and Superannuation Funds. For instance, you may not be aware that your Superannuation Fund has an insurance attached to it which will provide you with income payments for a period when you are injured and cannot work. QSuper is one such fund that usually has this income protection insurance attached - you receive a wage type benefit per fortnight whilst you are unable to work due to injury, for up to a 2 year period. Another example is some American Express (Amex) credit cards have an injury & disability insurance that will provide you with a lump sum amount for certain injuries (ie. $15,000 for a broken leg).
What is very helpful when you are injured is where you have injury & disability insurances attached to credit cards, personal loans, vehicle finance or mortgages. Having regular payments you have to meet to pay off loan or credit card balances can be a real problem when you are injured or sick and cannot work. In some cases these insurances will meet your regular payments over a certain period of time whilst you are disabled, or provide you with a percentage of the outstanding amount on your loan, credit card, mortgage etc., and in other cases the cover is for the total amount or a capped lump sum payment toward your outstanding balance at the time of your injury or disability.
This is a particular benefit when you have this insurance attached to your mortgage, as if you are injured and cannot work, some policies actually kick in to pay your ongoing mortgage payments, and pay out your mortgage.
Partial & Permanent Disability & Total & Permanent Disability Claims
The other types of injury and disability insurance that is more widely known is insurance that pays you a lump sum payment where you are permanently unable to work , or you are permanently partially impaired by an injury. These insurances are respectively known as Total & Permanent Disability Insurance and Partial & Permanent Disability Insurance. These insurances are often attached to Superannuation Funds and the Super Fund pays for the insurance premiums, so often people are unaware they have these insurance claims when they are injured.
If you have Total & Permanent Insurance attached to your Superannuation, you could be entitled to be quite a substantial payment if you are unable to return to work because of injury or illness.
To learn more about Total & Permanent Disability Insurance and Partial & Permanent Disability Insurance claims, go to our webpage on this subject at the following link: Partial & Total Permanent Disability Claims.
It does not matter how you sustained the injury or illness to claim for injury & disability insurance
To claim for injury & disability insurance, it normally does not matter how you sustained the injury or illness, as long as it developed to the point of disablement during the coverage period of your insurance.
Also, if you have a motor vehicle accident, workplace injury, medical malpractice claim, or any other personal injury claim resulting from the fault of another, your right to claim under any injury & disability insurances you hold, is additional to your personal injury compensation and cannot be taken into account when calculating your damages amount.
Palmers Compensation Lawyers can identify insurance claims for you
Palmers Compensation Lawyers can help you identify whether you have injury & disability insurance payments you are entitled to and to claim your entitlements under those insurances.
If you are injured or suffering from a medical condition or illness then you should CONTACT US via our FREE Legal Advisory services to investigate whether you have an injury & disability insurance claim to pursue. You can do this anytime, day or night by:
- FREE CALLING 1300 388 383
- Chatting with us via our LIVECHAT Service;
- Submitting one of our FREE Instant Case Assessment webforms on our website by clicking on the link here or there is a form at the top right-hand side of this webpage;
- Emailing us at admin@nowinnofeepilawyers.com.au with your enquiry.
Our legal advisory service is completely FREE of any charge, 100% CONFIDENTIAL & there is NO OBLIGATION.