Wednesday, November 8, 2017

When Holidays Go Bad: Here's What You Need to Know

Image Credit: Flickr

Going away for a few days or a few weeks is the best thing in the world. Seeing new people, exploring new places and eating new things is so rejuvenating, it makes you wish that you could live like this all the time. These holidays are so special that it’s truly heartbreaking when things go wrong and your holiday is ruined.

While you might not be able to get the time back, there are certainly things you can do to recoup the costs of your cancelled flight, claim compensation for the personal injury that got you down and turn to your insurers for that weekend of food poisoning that kept you bed bound for the whole trip.

Always Get Insurance

On the trips that go perfectly smoothly, insurance feels like a complete waste of money. You’ve given someone your hard earned cash and for what? Well, for the time that your trip doesn’t go as planned.

Holiday insurance can cover all sorts of things from cancelled flights and delayed transport to problems at the hotel or accidents that happen while doing leisure activities. The type of insurance you need will depend on a few things: where you are going, what you plan to do and what your medical history is like. These factors will affect the amount you need to pay as well as what you can claim on.

Adventure holidays and sports holidays such as skiing or scuba diving will require different types of insurance and you may be asked to sign a waiver before you take part in any activities. Normally this waiver is designed to protect the company providing you with the experience and should not impinge on your ability to claim on your insurance should an accident happen. However, you must remember to read this document carefully before you sign it.

If you don’t have insurance, you will not be able to claim any money should something go wrong. In fact, the money you think you saved by not taking out a policy will pale in comparison to the amount you have now lost. Insurance is, if nothing else, a sensible, economical decision to make.

Consider Hiring an Attorney

Even if you have insurance for your holiday, you may need to hire an attorney to help you manage your case. It’s frustrating, but some insurance companies are all too happy to take your money but when it comes to paying out, get shy. For their models to work, they want to pay out as little as possible to make the most profit.

Attorneys, on the other hand, have a duty to do their very best for every client. This isn’t just reassuring, it is also a good way to see whether your case is going to do well as they will be able to prepare you for likely outcomes. Hiring an attorney who specialises in compensation claims such as a personal injury attorney will give you the best chance of getting the money that you deserve.  

It might feel like overkill to hire a legal professional but it is a good long term investment. These attorneys argue similar cases all day every day, they know the ins and outs of the law and will do everything they can to secure you a fair deal.

Don’t Wait to Make a Claim

After a holiday disaster, all you want to do is lie in a darkened room and try not to think about it. Unfortunately, time is of the essence and you should get straight onto your insurers to sort the situation out, especially if you are still on holiday. If you already have a family attorney, get on the phone to them and explain the situation. Even if this is not their specialism, they will certainly be able to recommend other attorneys who will be able to represent you.

Of course thinking about a holiday going wrong is an unpleasant thought, but if you plan carefully and make sure that everything is in place, there are certain things you can do to mitigate any damage. Having the proper insurance and knowing that you can hire an attorney to represent you should you need will be a weight off your mind, especially if you have lots of future adventures planned.

And just before you go, here are two more safety tips to consider: always give a close friend or relative an itinerary of where you are going and always keep your travel documents in a safe place.

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