Income Protection Quote

October 14th, 2008

admin

You are on a night out with family and friends. You have only had a few drinks and by no means considered drunk.

You suddenly find yourself on the wrong end of a totally unprovoked attack by some stranger. They punch you so hard that you crash to the pavement, unconscious!

Your friends call an ambulance and following examination at your local hospital, you are diagnosed as having a fractured skull and a blood clot on the brain and need to have an operation.

Although there were plenty of witnesses, everybody was worried about your wellbeing so the person who attacked you got away. Public outcry immediately reigned supreme with everyone condemning your assailant’s actions.

This is not fiction. It actually happened to a man aged 42 years old and was a news story reported in This is Plymouth.co.uk on 13 August 2008. Unfortunately, it is not that unusual today .

The headline story may end there but that is never the end of it. This innocent victim of circumstance, being in the wrong place at the wrong time cost him dearly both mentally and physically for some time.

He spent 3 weeks in hospital, was off work for six months and has suffered ongoing physical and psychological problems.

As it happens, on this occasion, the attacker voluntarily handed himself in the following day. Some 9 months after the attack, he was sentenced to 10 months in jail, suspended for two years and ordered to pay the victim £4,000 compensation at £40 per week and to do 200 hours of unpaid community work. The victim may also be an entitled to compensation through the Criminal Injury Compensation Scheme.

Everything seems to take an eternity to sort out, none of which helped either the victim or his family at the time when they needed it most. State benefits and employee benefits (if the victim was working) will have gone some way to helping them through but none of that can be guaranteed to be sufficient.

It is therefore prudent to plan for injuries/illnesses that may put you/your family in a financially “at risk” situation. Income Protection Quote are useful products designed expressly to help you manage such a situation and well worth considering. Without an Income Protection Quote you and your family could find yourself in financial meltdown caused by such a tragic event!