Hi all, I have been asked by HR about liability for an accident which happened approx 3 years ago. We have since changed insurers - so would this claim lie with the current insurer or with the insurer at the time of the accident? I think its the latter. Am I correct? Thanks

As jde says - the insurer you had cover with at the time has liability. However, there are strict time limits (known as the Limitation Period) for making a personal injury claim. The standard period for commencing court proceedings for compensation is three-years from the date of the accident (or three years from the time an effect of. If court action is not commenced within that time the claim becomes 'time-barred'. In disease cases, the three-year period will start from the date that the claimant knew, or is deemed to know, that he/she may have developed symptoms of the condition or the disease. This may be the date that the symptoms began or became apparent, or it might be the date that the condition is diagnosed or suspected by medical advisers. The time limit may run from the earliest of these various dates. So it may be that although enquiries hae been made about an accident