Personal injury protection

anglegrinder

Hi folks, for the life of me I can't seem to find out what the above is about. The story, my mother (85 years old) has broken her hip after falling over in the st, there is no blame attached to anyone. She is in hospital recovering after major surgery to repair the damage

Anyway after sorting out bills etc on her behalf, I came across a letter, which explained that the PIP premium will be increased in Jan. I then made a call to the insurance company and asked " What I should do concerning the fall" They are sending me /her a claim form.

My query is > Will she receive payment for the hip fracture even though it was no ones fault? When I google PIP all I get is no win, no fee type stuff, even when I visited Loyds TSB's website where the policy is held, I could not find anything on this subject.

Thanks in advance.

mattymoo

Having trouble finding it as well. Seems the US market has a similar product type for their car (auto) insurance and that clogs up the Google results.
somewhere on the documentation it should say who the policy is underwritten by - Lloyds TSB are not an insurer you see. We can then see if the insurers website offers any help.

anglegrinder

mattymoo wrote: »

Having trouble finding it as well. Seems the US market has a similar product type for their car (auto) insurance and that clogs up the Google results.
somewhere on the documentation it should say who the policy is underwritten by - Lloyds TSB are not an insurer you see. We can then see if the insurers website offers any help.

I see. London & Edinburgh is on the header, however I do remember Aviva ? being mentioned during the call. I have not got the policy to hand only the letter outlining the new payments.

mattymoo

Well, L&E were indeed acquired by Aviva and it now appears to be a semi-dormant trading name. However, Aviva also acquired the RAC motoring organisation a few years back. You can get RAC insurance branded products and according to the legal notices on the RAC site, the underwriter is L&E, so effectively, it is Aviva.

So - does your 85 year old mother still drive and if so, does she have something via RAC?

I know you mentioned Lloyd's TSB but I simply cannot find any mention of this type of product on their website. It could be an obsolete policy.

The problem is the phrase "Personal Injury Protection" is just so vague and it could be used to describe a number of products. Some workplace schemes for construction workers offer this type of protection, with the premium deducted from pay packet. Some trade unions offer the cover as a member benefit (certainly one of the teaching unions). It can also be used to describe, rather vaguely, the After the Event insurance cover you would take out after an accident to cover legal costs if you went to a "No Win, No Fee" solicitor. I don't think that applies here though.

Why an 85 year old lady would have any of these covers is a puzzle though.

If you still have the details of the person who phoned you, suggest you give them a call and ask for the policy wording to be sent through to you along with details of payments made or the latest renewal notice.

anglegrinder

After another call it appears that she can make a claim for the incident, she , with my help will fill in the claim form, her GP stamps the form, we send it off and they send the money. It does seem rather simple, the person I spoke to says, it matters not who's fault it was she has the cover and payment will be due. This could, depending on the policy be in the region of £1000 to £3,000.

After speaking to her she reckons she has more of these policies lying about the house, so I will rifle through the documents when time permits. It seems older people with property and spare cash may be targeted by these companies to take on such policies and possibly in this case, multiples of them.