Skiing can be such a fun and exhilarating activity, and for many mountain resort getawayers, it’s a highlight of the year. If you’ve been sensible, before you go away, you’ll have taken out insurance to protect yourself in case you find yourself in an accident.
However, while this is put aside for what is hopefully a worst-case scenario, it’s not impossible that you might have to make a claim. If you find yourself in this situation, you’re probably going to want to know what to do.
With this in mind, today we’re exploring five most important guidelines and things to remember when filing a ski accident claim, ensuring everything proceeds smoothly.
#1 – Who’s Involved?
The first thing you’re going to need to think about is who is at fault in the accident. Is there another skier involved, maybe a tour operator you were travelling with? Was there a problem with your equipment from the hire company, or perhaps the ski lift or facilities?
Whatever happened, you need to make sure you know exactly who and what was involved so you can accurately file your claim.
#2 – Consider Your Evidence
To make a valid claim that goes through easily and without hassle or appeal, you’re going to need evidence. This can come in many forms, whether that’s interviews and witness statements from people in the area, or even photos of any damage or poorly maintained equipment.
Of course, if you’re injured it might not be the first thing on your mind, but when you can, organize a way to get people up to where it happened to get the evidence.
#3 – Were You to Blame?
It’s important to make sure you weren’t to blame for your accident. Otherwise, you’ll file the claim, spend loads of money getting it through and then never seeing it again. There’s no point trying to play the system for an accident that happened because you weren’t using the equipment properly or wearing the right safety clothing.
Be smart and honest. If there’s no claim, don’t try to create one because it could get very expensive if it backfires.
#4 – Are You Covered?
The only way you’re not going to be able to claim if you’re not insured when you go out. Even if you take out travel insurance, normally you’ll need to apply for winter sports activities as a separate category on your insurance policy, and if you haven’t then you won’t be covered. Always check this before you go outside.
#5 – Consider No Win, No Fee
If you’re not covered, or even with the company you’re insured with, try to get a no win, no fee claim battle if you can. This way, you won’t have to pay anything if you lose the claim, and you won’t be out of pocket.
It’s safe to say there’s a lot of things you’ll need to think about when it comes to making and filing a ski accident claim. The most important thing when doing so is to make sure you’re getting as much detail as you can before moving forward into the courts. For more professional advice on this matter, check out the Derrick Law Firm.