What to do if you have an accident on holiday

We go away on holiday to relax, explore new places, to spend time with family, and to get away from our hectic lives and recuperate. Naturally, the last thing on our minds is any kind of accident or illness. However, mishaps and accidents are inevitable, even if you aren’t traveling to a high-risk area or participating in any dangerous activities.

The truth is, accidents occur, and they can affect anyone at any time. Whether you experience food poisoning, a slip due to poorly maintained hotel facilities or a road traffic accident, there are a multitude of things that can go wrong. If you are struck by misfortune and experience a holiday illness or accident, it’s crucial that you know how to handle the situation.

Plan for the unexpected

Before jetting off, you need to make sure you are covered. If you are traveling abroad, it is best to invest in some sort of travel insurance, especially if you destination or holiday is dangerous. Typical insurance policies will protect you from lost or stolen possessions, cancelled travel plans and personal injuries. Make sure you research your options and choose a policy that best fits your holiday plans. Be aware that some insurance plans do not cover adventure holidays and that it may be necessary to purchase separate insurance.

Immediately following an accident

If in the event, you if you do have some kind of accident or ailment, it goes without saying that you should immediately seek appropriate medical care. Once you are safe, you need to report the accident to your travel representative. Depending on your condition, you or someone else should collect information regarding the accident. These details include the contact information of the person or staff that is responsible, the contacts of witnesses and the circumstances surrounding the accident. Take pictures and as many notes as possible, as the evidence you collect will be beneficial when making a claim. If the mishap occurs at a hotel or some other business, make sure the staff records it in their accident book.

Make a claim

If you or a loved one has an accident, and you are not at fault, you may be entitled to compensation.  In order to have a successful claim, you need to prove that someone else, such as the hotel staff or another driver is responsible for the accident. When travelling abroad, claims are usually subject to that country’s laws. However, you can still claim if the company at fault is a UK company or if you are participating in an all-inclusive travel package. With packaged tours, operators must abide by regulations set forth by the Package Travel, Package Holidays and Package Tour Regulations policy of 1992. The claim, if approved, can provide compensation for the injuries or illnesses suffered, the loss of enjoyment while on holiday, any loss of income due to time off of work and any medical and rehabilitation costs. If your holiday is not a part of a package, you may still be able to claim compensation, but it may be harder and the probability of winning is less.