ERV travel insurance claims #personal #injury #settlement

uk claims

Leisure More information

From short trips, to your annual family holiday, at ERV, we understand you, our customer. That’s why we’ve designed 3 leisure travel insurance cover options with you in mind.

Pre-existing Medical More information

ERV Medi-Care gives you freedom to experience the world with tailored travel insurance of varying cover levels for people living with pre-existing medical conditions

Winter Sports More information

At ERV we understand the needs of the British Skier Snowboarder, you may be on that all important winter holiday, training to be a ski instructor, working the snow season or ski race training for a few weeks.

Cycle Triathlon More information

For the adventurous traveller, taking your bike along for the ride is a great way to see a country. When travelling with your bicycle things can go wrong and you may need assistance, at ERV we know what cyclists want from their travel insurance.

Backpacker Insurance More information

Planning the ultimate adventure? Dreaming of the freedom to explore the world? Our Backpacker Travel insurance policies provide you with even more freedom!

Go Last Minute More information


If the unfortunate should happen on your trip, you ll need to know what to do next. This page contains all of the ERV travel insurance claims forms you will need, should you need to make claim on your travel insurance policy.

You will find additional information about claims on our Claims FAQ pages. We regularly try to update these FAQ s, so this can be a useful place to start if you are looking for information relating to making a claim.

We also have a useful guide on What To Do In An Emergency which can also help you understand the steps you may need to take. This includes details of both urgent and non-urgent medical treatment and also highlights the importance of carrying your policy documents and an EHIC card during your trip.

erv travel insurance claims

If you wish to make a claim, simply download and complete the appropriate form and return with all supporting documentation. The address to send it to can be found on page one of the claim form.

We have also put together a guide to assist you in making a claim:

We would recommend that you read through this guide prior to making your claim application so that we can deal with your case as swiftly as possible. Some claims require different information to be provided, so please ensure you are using the correct form when making a claim. If in doubt, please call the claims team on +44 (0)1273 022 087 between 9am and 5pm, Monday to Friday for full details of contact numbers and opening times, including Bank Holidays, please see the contacts page for more information.

If you are an ETI customer, you can still submit your claim using the following claim forms.

Items available for download

2016 ERV UK. All rights reserved

ERV UK and is a brand name of ETI International Travel Protection the UK Branch of Europäische Reiseversicherung (ERV) A.G Munich, an ERGO Group Company, incorporated and regulated under the laws of Germany, Companies House Registration FC 25660 and Branch Registration BR 007939. ERV is authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Registered address: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ

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Accident Protector – Combined Insurance #reopen #unemployment #claim

accident insurance claim

  • Individuals & Families – Combined Insurance
  • Our Products – Combined Insurance
  • Accident Protector – Combined Insurance

Accident Protector helps make sure you and your family are ready

If an accident sends you to the emergency room, lands you in the hospital or requires a recovery period after hospital confinement, Accident Protector pays cash directly to you. So instead of worrying about how you’re going to pay your bills, you can focus on getting better.

Help with a wide range of costs associated with injuries from an accident

Four out of 10 people are treated in emergency rooms every year. 1 The typical length of a hospital stay is five days and costs over $10,000. 2 That s more than two month s income for the average American family! 3

If you or a family member is hospitalized, do you have an emergency cash fund to help pay for non-medical expenses? Because even though you re injured you still need to pay insurance deductibles and copayments as well as monthly household bills like rent or mortgage, car payments, groceries and utilities. You might even need to pay someone to help around the house while you re recovering.

The Accident Protector policy is available for individuals or families.

This is an accident only policy and does not provide benefits for loss due to sickness.

1 National Safety Council, Injury Facts, 2014.
2 Agency for Healthcare Research and Quality, Costs for Hospital Stays in the United States, 2012
3 U.S. Census Bureau, 2014

Prepare for the unexpected.

Combined Insurance offers supplemental insurance that provides benefits that your major medical insurance may not. Combined Insurance s valuable products and personal service can help make sure you and your family get the coverage you need. Our policies are easy to understand and our professional agents are always ready to help.

  • Comprehensive: You re covered 24 hours a day, 7 days a week, whether you re at work or on your own time.
  • Convenient: Benefits are paid directly to you, not to the hospital or facility where you are being treated.
  • Comforting: This policy is yours, independent of your employer. You can switch jobs but keep the same insurance policy.

The information provided by this document is only a brief description. See the actual policy for complete details of the policy plans, features, benefits, options, rates, definitions, limitations, and exclusions. Products vary by state and are subject to availability and qualifications.

Life, accident sickness and disability insurance policies issued by Combined Insurance Company of America in all states, except New York. In New York, life, accident sickness and disability insurance policies issued by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.

A common occurence

Four out of 10 people are treated in emergency rooms every year. 1 The typical length of a hospital stay is five days and costs over $10,000. 2

1 National Safety Council, Injury Facts, 2014.
2 Agency for Healthcare Research and Quality, Costs for Hospital Stays in the United States, 2012


Motorbike Accident Claims Solicitors #loan #claims

motorcycle accident claims

Motorbike Accident Claims Solicitors

We are motorbike accident solicitors specialising in serious injury or fatal motorbike claims. As solicitors in this area of the law we will claim the maximum compensation without fear or favour. As experts cycling claims in this field we appreciate that injuries sustained in a cycling accident can be particularly serious or fatal due to the vulnerability of cyclists (motor and pedal).

Our Friendly Team Can Help

We will not share your data with any third parties or affiliates.

Motorbike Accident Claims

We can assist with a broad spectrum of motorbike accident claims and get you the compensation you deserve.

Cycle Accident Claims

We cover a range of cycle accidents compensation claims from collisions with other motorists on the road and defective surfaces.

Motorbike Accident Solicitors

Cyclists are particularly vulnerable on the road to injury when an accident happens. The injuries can be minor to life changing. It is important to ensure you obtain expert advice from a motorbike or cycle injury solicitor to claim the maximum compensation. We are confident of our excellent professional, friendly and personal service all under our No Win, No Fee, No Worry, Guarantee

Even if you have insurance with legal protection, following a little known change in the law, this may not be to your advantage. Your Insurance Panel Motorcycle Injury Solicitor may charge you up to 25% of your compensation if you WIN, called a success fee. So if you were awarded £5,000 you will pay your Insurance Solicitor £1,250. We charge 0% Success Fee (subject to terms), it can be expensive going elsewhere. You have a free choice so contact us now: Motorbike Accident Claim Form and we will call you back.

A rise in popularity of Cycling has resulted in an increase in cyclist being killed or injured on the road. Our motorcycle injury compensation Solicitors have put their experience to use in dealing with injuries to cyclists. Many accidents are similar where motorists and lorry drivers, in particular, fail to see a cyclist on the road causing a collision. Almost 2/3rds of Cyclist are killed or suffer life changing injuries in urban areas at or near a road junction or roundabout. Contact us now for advice and how you can keep 100% of your Compensation if you WIN.

Free Biker Claim Line


Motorbike Accident Claims, Motorcycle Injury Solicitors – Manchester, Liverpool UK #money #not #claimed

motorcycle accident claims

Welcome to

Apparently car drivers don t see bikers. Why? Because they don t look for us! Until, that is, we ve been hit by them and flown over the bonnet of their car.

Accidents do and will happen. Our bikes are more than a mode of transport and we are more than a reference number. So what should we do if it happens to us?

If you’ve been injured in a bike accident that was caused by another driver, whether or not you were given an excuse featured above, you could be in a position to make a personal injury compensation claim with our Bike Accident Advice Line.

If you’re a biker then click here to sign up today for your FREE SMIDSY ID Card.

Click here to sign up today with and we will send you and your partner one of our new designed SMIDSY ID Cards.

Once you receive your SMIDSY cards you simply need to make sure you keep it safe. Should you be involved in a bike crash or bike accident, simply call SorryMate and we will take care of all your personal injury claims for you, it really is that simple!

We have many years of experience in helping motorcycle accident victims and people involved in scooter or cycling accidents throughout the UK. You can view some of our biking client testimonials and see the motorbike accident claims that we deal with regularly. As bikers we understand all elements of making a motorcycle accident claim and related injuries that are associated with this.

As well as dealing with road traffic accident claims (RTA) throughout the UK and SMIDSY claims . is also a central hub for motorbike and cyclist enthusiasts, providing industry news. relevant biking related sites and competitions for biking enthusiasts.

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ATP2 LLC Medical Claims Specialist #insurance #claims #management

medical claims processing jobs

Medical Claims Specialist

Описание компании

ATP2 is a Minority-Owned, Multi-Disciplined, CVE verified Service Disabled Veteran-Owned Small Business (SDVOB) Company. The company was founded in 2007 by a select group of dedicated professionals who came from culturally diverse background – all U.S. military veterans – with over 120 years of collective military service, that includes assignments in some of the most difficult and challenging environments in the world.

Описание вакансии

Medical Claims Data Entry:

  • Utilize the VA-FSC medical claims processing system which incorporates an Internet authorization application, document processing functionality, optical character recognition (OCR) scanning capability and Plexis Claims Manager (PCM) claims processing software.
  • Input and validate medical claims data into the PCM application.
  • Analyze rejected claims data.
  • Review documentation authorizing benefits payments. Determine appropriate amount due to recipient and process all necessary payment transactions.
  • Analyze and audit any overpayments of claims.
  • Record and issue letters informing debtors of obligations.
  • Respond to written and oral vendor inquiries; follow up as needed.

Medical Voucher Examination:

  • Examine vouchers, invoices, claims and other payment requests for medical services for authorized patients. Documents must be accurate, provide adequate documentation or citations, and comply with laws and regulations. Justification submitted must be in compliance with CPT, HCPCS and ICD-9-CM and ICD-10-CM standards.
  • Review claims for completeness and accuracy.
  • Expedite high priority claims as identified by the VAFSC.
  • Complete procedural processing of standardized vouchers for various types of medical expenses.
  • Determine sufficiency of package documentation, which typically includes an itemized invoice.
  • Maintain an understanding of billing and regulations as related to Medicare.
  • Possess knowledge of electronic claims editing and submission capabilities, including on-line claims processing and query systems.
  • Respond to written and oral vendor inquiries.

Process Bulk Claims Submissions:

  • Analyze bulk claims and determine appropriate payment amounts.
  • Ensure appropriate diagnostic and procedural coding for all HCFA-1500, UB92 and other claim forms.
  • Prepare claims for payments. Validate appropriate claim adjustments to resolve payment discrepancies.
  • Ensure accuracy of information included in VA-FSC vendor file for medical providers.
  • Interface with VA-FSC activities including mailroom in support of preparation and scanning of paper claims.

Требования к квалификации

  • Requires a high school diploma or its equivalent with 2+ years of experience in the field or in a related area.
  • Must have working knowledge of Microsoft Office Access and Excel.
  • Must have experience working with web-based applications
  • Understand CPT, HCPCS, ICD-9-CM and ICD-10-CM medical claims coding regulations and guidelines.
  • Experience processing medical claims and have strong customer service skills
  • Demonstrated success working in a team environment focused on meeting organizational goals and objectives required.
  • Understanding of billing and follow up regulations as it relates to Medicare. Understanding of electronic claims editing and submission capabilities including Medicare and NEIC on-line claims processing and query system.
  • Familiar with standard concepts, practices, and procedures within a particular field. Relies on experience and judgment to plan and accomplish goals.


Дополнительная информация

ATP2 is an Equal Opportunity Employer. ATP2 does not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other characteristic protected by applicable state or federal civil rights law.All your information will be kept confidential according to EEO guidelines.


Motorcycle Accident Claim Solicitors – Sheldon Davidson #small #court #claims

motorcycle accident claims

SDS Solicitors > Motorcycle Accident Claims

Motorcycle Accident Claims

If you are a motorcyclist and have been injured following an accident with another motorist, Sheldon Davidson Solicitors can help you.

Some of the most serious road accidents in the UK involve motorcycles, and frequently result in life-threatening or even fatal injuries. The government says that motorcyclists are 38 times more likely to be killed in a road accident than car drivers or passengers.

Swift Medical Treatment and Financial Compensation

As with all road accident cases, our first priority is ensuring that you quickly receive high-quality medical treatment, and then thorough ongoing care.

The recovery process for motorcyclists can often be longer than that of car drivers, given the lack of protection a motorcyclist has in the event of a crash or a collision with another vehicle. Serious injuries cause not only extreme physical damage and suffering, but can also prevent victims from getting back to work.

Loss of earnings is another of the major considerations in road accident cases. If you have been unable to earn your living as a result of the incident, we ensure that your claim makes this very clear.

Our motorcycle accident solicitors liaise with medical experts while working on your claim, in order to make sure that the extent of your injuries is explicitly stated.

Vehicle Repair and Replacement

As motorbikes are much smaller than cars, vans and lorries, it is not uncommon for them to be badly damaged in a collision. Sheldon Davidson Solicitors can arrange for your repairs and can provide you with a like-for-like replacement in the meantime, which should enable you to carry on as normal.

Consult the Personal Injury Specialists

To make claim for your motorbike accident, call Sheldon Davidson Solicitors today on 0333 999 8800. We help the victims of road accidents obtain the compensation they deserve, and we are ready to help you.


PPI firm shut down over mis-selling – Press releases #claims #online

redress claims

PPI firm shut down over mis-selling

The winding up follows an investigation by the Insolvency Service.

The company, trading under the name “Redress Claims”, charged customers an up-front fee of between £95 and £395 plus a percentage of the fee recovered, for PPI services, mis-sold credit card claims, mis-sold mortgage claims and Unenforceable Credit Agreements (UCA).

The Insolvency Service investigated the company, following information from the Ministry of Justice and found many examples of misconduct by the company including misusing client funds, taking unauthorised payments from clients, failing to operate a proper complaints procedure to the detriment of its customers and failing to file statutory accounts and returns.

Commenting on the case, Alex Deane, an Investigation Supervisor with the Insolvency Service, said,

This company operated with flagrant disregard for the rules governing claims management services and proper financial controls. The investigation and subsequent legal action taken by the Service were long and complex and I would like to thank officials from the Ministry of Justice for their assistance in bringing the company’s activities to an end.

Those responsible for such companies should be aware that the Insolvency Service can and will take firm action against companies which operate in this manner.

Notes to Editors

Redress Financial Management Limited (“Redress”) was incorporated on 8 May 2007. The registered office is Unit 3, the Courtyard, Mid Point, Thornbury, Bradford, West Yorks, BD3 7AY. The sole director of Redress is Naman Ahmed Hussein

The petition to wind-up Redress Financial Management Limited was presented under s124A of the Insolvency Act 1986 on 7 October 2013. The company was wound-up on 19 November 2014.

Company Investigations, part of the Insolvency Service, uses powers under the Companies Act 1985 to conduct confidential fact-finding investigations into the activities of live limited companies in the UK on behalf of the Secretary of State for Business, Innovation Skills (BIS). Further information about live company investigations is available .

The Insolvency Service also administers the insolvency regime, investigating all compulsory liquidations and individual insolvencies (bankruptcies) through the Official Receiver to establish why they became insolvent. In addition, the agency authorises and regulates the insolvency profession, deals with disqualification of directors in corporate failures, assesses and pays statutory entitlement to redundancy payments when an employer cannot or will not pay employees, provides banking and investment services for bankruptcy and liquidation estate funds and advises ministers and other government departments on insolvency law and practice. Further information about the work of the Insolvency Service, and how to complain about financial misconduct, is available .

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County court claims, county court defence, debt recovery, free Consultation #cms-1500 #claim #form #download

small claims court london

County Court Claims, Commercial Litigation, Money Claims, Debt Collection, Dispute Resolution – Small Claims London is your first call –

Welcome to Small Claims London, we are a NO Nonsense specialist in small claims cases for the London area. If you have a small claim, or wish to make a claim to recover your debt owing and the value is under £10,000, then feel free to contact us. We cover all areas of Money Claims, Commercial Litigation and Dispute Resolution. We also attend courts on your behalf or with you.

Unlike Solicitors, we do not charge you an arm and a leg, our fees are realistic for the work that is required and all our clients appreciate our charges and the results that we deliver.

Small Claims County Court is where county court claims begin, whether its a small claim or a very large claim.

County Court proceedings can be very expensive and therefore, our services are designed to assess the merits of your case and provide you with our experienced view of the route to take. It is your choice as always, but we provide you with FREE of charge assessment of your case prior to taking on any work.

If you are in agreement with our strategy, we will provide you with a fixed price structure which will give you peace of mind and know what to budget during the course of the claim or defence.

So whether you are a business or an individual, we will do our utmost to achieve Justice for you at any County Court within the London Boundary.

County Court Claim

County court is where most of the claims are first initiated, it is the most fair way to get a hearing and put your case forward to the judge who will ultimately make a decision based on your claim,

County Court Defence

You have come to this page because you may have a county court claim against you. Small claims london, provides you with the support and assistance required to defend a claim made against you

Debt Recovery

Small claims London provides a bespoke debt recovery service ranging from straight forward credit control services through to pursuing debtors in county court. If you are owed monies and have tried everything

Free Consultation

Our free consultation services is offered without any obligation and your information is safe and secure. We do not disclose any information or material supplied, if you decide not to engage us for your matter,

County Court Claims, Commercial Litigation, Money Claims, Debt Collection, Dispute Resolution – Small Claims London is your first call –


Claims company #personal #injury #claim #calculator

claims company


Excellence, Expertise, Experience Every Time!

That is what you can expect from The Guarantee. Our deep insurance heritage allows us to provide world-class claims service when you need it most. Whether your claim is for Surety, Directors Officers , or Home and Auto, our team is here to support you through the process.

Our philosophy is built around a core principal of empathy-in-action. In the unfortunate event of a claim, our dedicated in-house professionals put themselves in your situation, anticipating and responding quickly to your needs.

We know unforeseen events can be stressful and frustrating. Rest assured we re here to make the process as painless as possible. We ll help ensure that your claim is handled swiftly and with compassion, integrity and professionalism. Here s what you can count on from the Guarantee:

Exceptional Claim Handling

  • Our dedicated in-house claim professionals have deep knowledge and experience to ensure excellence in claims handling, every time.
  • We are ready to serve you 24 hours a day, 7 days a week, across Canada for Personal Insurance .
  • We have specialized professionals working across North America in over 200 offices, including 90 locations within Canada to handle Transportation crisis situations, available 24/7 to get you back in business.
  • Our staff is committed to communicating with you throughout the claims process to keep you in the know.
  • We eliminate the uncertainty by providing a thorough explanation of our claim handling procedures and coverages. No need for guesswork on your part.
  • We focus on making it easy, efficient and convenient to work with us.
  • We stand out as a leader in the industry because we go out of our way to be flexible and accommodating with our clients. We consistently demonstrate empathy in our claims decisions.
  • Our trusted partners who perform the work required to get you back on track are best in class. You can rest assured they value the same high standards of quality and customer satisfaction as we do at The Guarantee.
  • Due to the uniqueness and complexity of different types of products and claims, we employ leading technical experts to ensure you have the most skilled team on your side.

More value. Every time.

  • We pride ourselves on in-house professional claims staff that are well-versed in each of our specialty insurance lines: Surety. Directors Officers Liability. Crime. Fiduciary Liability. Office Shield Package. Miscellaneous Errors Omissions . Guarantee Superior or GUARANTEE GOLD Home and Auto. That means your claim is handled quickly and accurately by experts.
  • We have a strong reputation for working closely and objectively with all parties to find the best possible solution for everyone involved with the claim.

If you have a claim, please get in touch with us to report it .


How Much is My Motorcycle Accident Injury Claim Worth? #combined #life #insurance #claim #forms

motorcycle accident claims

How Much is My Motorcycle Accident Injury Claim Worth?

If you got into a motorcycle accident as a rider or a passenger, you’re probably wondering how much your potential claim might be worth. In this article, we’ll look at common factors that will affect the value of any claim you decide to make.

Taking Liability and Damages Into Account

To value a motorcycle accident case, you have to consider two things: liability and damages. Liability means who was at fault for the accident. If there is no liability, either because the person who hit you was not negligent, or because you simply can’t prove that the other driver was negligent, your case will not be worth very much. This is because it is always the plaintiff’s burden of proving that the defendant was negligent. So, if the other driver was not negligent, he or she doesn’t owe you anything. (Learn more about Proving Fault for a Vehicle Accident .)

Damages has to do with the injuries and other losses that you suffered in connection with the accident. The more significant the injury, the higher the amount of compensable injury damages.

Let’s look at a couple of examples to see how, in general, liability and damages work together to affect the value of a motorcycle accident case.

Let’s say that you were rear-ended while you are standing still at a red light waiting for the light to change, but that you didn’t get hurt, and your motorcycle didn’t incur any damage. The person who hit you was clearly negligent — rear-ending someone is a pretty clear cut case. But if you didn’t get hurt and you didn’t suffer any property damage, you did not suffer any compensable damages, and so you would have no case. You might be able to settle for a very small amount, simply for your trouble, but nothing more than a nominal sum.

Let’s now take the opposite example. Let’s say that you were involved in a motorcycle accident in which you suffered very serious damages, but that the driver of the other car involved was almost definitely not negligent. In fact, the accident may well have been your fault. In this example, any settlement might also be rather small. If the defendant wasn’t negligent, his/her insurance company is not obligated to pay you anything. Once again, you might be able to settle for a small amount, but, if you truly can’t prove that the other driver was negligent, the insurer is going to be very unlikely to settle the case for anything substantial.

Settlement Value vs. Trial Value

When you’re trying to value a motorcycle injury claim, remember that there are really two types of valuations: settlement value and trial value. A case’s settlement value is what you reasonably hope to settle the case for. The settlement value will be much lower than the trial value because you settle a case in order to avoid the risk of losing at trial. In litigation, a bird in the hand is definitely worth two in the bush.

On the other hand, the trial value is what you reasonably expect to win at trial. Let’s look at an example to see how settlement value and trial value relate.

Let’s say that, based on the liability and the damages, you believe that, if you went to trial and won, the jury would award you $200,000, but that you think that you only have a 20% chance of winning. In that situation, you might want to settle your case for slightly less than $40,000 (i.e. 20% of the expected trial value). So, in general, a case’s settlement value is a little less than the trial value multiplied by the estimated chances of winning the trial. It is a little less because you settle the case in order to avoid the risk of losing at trial.

How are Damages in a Motorcycle Accident Case Calculated?

  • damages capable of exact calculation (generally called special damages), and
  • damages not capable of exact calculation, i.e. pain and suffering

Special damages are the plaintiff’s past, present, and future lost earnings and lost earning capacity, including employment benefits, medical bills, and other financial losses. Special damages are capable of exact calculation because they are calculated to the dollar.

Pain and suffering is not capable of exact calculation. There are no guidelines for determining the value of pain and suffering. A jury cannot look at a chart to figure out how much to award. Because of this, judges generally instruct juries to use their good sense, background, and experience in determining pain and suffering.

How to Calculate Lost Earnings

Calculating past lost earnings is easy. You simply add up the earnings and employment benefits that you lost from being out of work.

Calculating Future Lost Earning Capacity

Unfortunately, calculating future lost earning capacity is much harder, and generally requires your lawyer to hire an economic expert to properly present lost future earning capacity to the jury because it involves the concept of present value.

Let’s say that, before the motorcycle accident, you earned $40,000 per year, but that, after the accident, you could only return to a part time job earning $20,000 per year. In this case, your lost earning capacity is $20,000 per year for the remainder of your work life expectancy. Work life expectancy is a statistical measure based on federal government statistics of how many more years a person is reasonably expected to work, based on that person’s age, sex, and race. That is easy to figure out, but it is much harder to calculate what $20,000 per year projected into the future is worth in the present. That is why personal injury lawyers generally hire an economist to present this information to the jury at trial.