Insurers are increasingly strict when processing work related accidents. To ensure your application is not rejected at the first hurdle, you must report a work related accident in the correct way and collect sufficient material evidence.
If your insurer refuses to accept an incident as a work related accident, it can be extremely frustrating, not only for your employee, but also for you.
It is often difficult to provide proof of an accident which occurs on the way to or from work, particularly if it is not a traffic accident.
Advise your employees to do the following if they are involved in a work related accident:
- Report the accident to the employer immediately, even if the injuries or damage do not appear serious at first glance. Even if you submit your accident report a few hours later, some insurers refuse to accept these as proof that an accident really occurred.
- Report the accident in writing (e.g. via e-mail).
- See a doctor on the same day and ask them to write up a report of the injuries in a certified medical statement.
- Give the names of any witnesses who may have seen the accident happen. If there were no witnesses, your employee may also provide the name of a person with whom they discussed the accident (known as an indirect witness).
- Fill in the claim form accurately: the insurer will base their decision on this document.
- If applicable, ask the police to write up a police report.
- If applicable, report the name of the person who may have been liable for the accident.
Here is an example:
If your employee trips over a cable on the footpath on their way home, we investigate who placed the cable there and write up a report. In this way, the insurer can determine the compensation for damages which it may end up paying to the liable party, and the accident has less of an impact on your company’s accident statistics. Your accident book also has an impact on the premium you are asked to pay for your occupational accident policy.