Compensation for leisure accidents is generally not extensive and even none at all. However, the person who injures themselves in his/her leisure time may be entitled to compensation from his/her insurance company if it is included in the person´s home or family insurance.
Compensation for leisure accidents is generally not extensive and even none at all. However, the person who injures themselves in his/her leisure time may be entitled to compensation from his/her insurance company if it is included in the person´s home or family insurance. A person can insure themselves specially with credit card insurance or general accident insurance. Insurance because of a leisure accident can compensate for temporary loss of employment and for permanent financial disability. In addition, such insurance may also cover the physical injury of the injured party due to an assault. The right to compensation is determined by the insurance policy and the terms of the insurance. The terms of the insurance may vary depending on the insurance companies. It is therefore important for the insured to review the terms carefully. If a third party is responsible for the accident, directly or indirectly, the injured party can claim compensation from that person´s liability insurance. In such cases the right to compensation is richer than in the case of a traditional leisure accident. In addition, the injured party may also be entitled to compensation from Icelandic Health insurance for accidents that occur during household work. For example, traditional household work includes gardening, caring for the sick, elderly and children, maintenance tasks and repairs.
Contact us for more information on your legal status.
The injured party is generally entitled to compensation for the time he is away from work. That is, the loss of income from the day of the accident until the injured party can return to work or if no further recovery is expected. Household work is also equated with work outside the home and therefore the person who works at home may also be entitled to compensation under this category.
This is a standard compensation for the period that the injured party is considered incapacitated/ill due to an injury caused by an accident. The injured party is entitled to a certain amount per day, depending on whether he is bedridden or not. In certain circumstances, it is permissible to pay compensation despite of the injured party being able to work. An example of such case is that physical injury causes temporary physical discomfort or interferes with normal physical activity without the injured party being ill.
Compensation for permanent personal injury is compensation for non-financial damage. That may consist of suffering, embarrassment, discomfort, blemish, and disfigurement e.g. Compensation under this category depends on the severity of the injury from a medical point of view as well as the difficulties they cause in a life of the injured party. A personal injury can often affect the future ability of the injured party to earn income.
The ability of the injured party to earn income due to physical injury may decrease due to the injuries he suffers in an accident. For example, the injured party may need to reduce his workload or even quit working. Disability covers the permanent impairment of the injured party’s ability to earn income in the future. The calculation of compensation in such cases depends on the age of the injured party and the income he had for the past three years before the accident. The calculation is based on minimum wage.
Outlay refers to the cost of the injured party that he incurs because of the assistance he must seek after an accident. This may include expenses for medical visits, rehabilitation, medication, and other financial loss. Other financial loss is, e.g. the cost of prosthetics and taxis. It is important to keep the original payment receipt for these expenses to claim these expenses from insurance companies or the person responsible for the injury.
It is important to respond quickly and ensure proof of the incident, as this can help us to protect your interests.
Gathering information and evidence
It is best to contact us so we can proceed with the case in the right direction. Then we can give you advice on the following steps and get started with gathering information and evidence.
Assessment of consequences
Injury and compensation cases can take a long time. Usually it takes at least one year until it is possible to assess the consequences for the injured party.
Settlement of compensation
In most cases, a settlement is reached. That is especially in cases when an insurance company is liable for compensation. In the event of a dispute regarding the liability or the amount of compensation, we will take the case to appropriate ruling committees and/or the courts.