In order to value a client’s injury claim it is not sufficient just to tell the other side the nature of the injuries and expect the parties to come to an accurate valuation. I will need to arrange a medical examination from a suitably qualified medical expert.
Public liability insurance covers businesses when customers visit their premises. For example, if someone visits a shop and has a trip or slip (that wasn’t their fault) they could make a claim against the business owner. This could be a personal injury claim which covers their medical expenses and also any resulting loss of earnings.