Accident Insurance, covers the insured party against accidents, usually caused by himself or herself. It is compulsory in most countries, including the United Kingdom, Australia, and New Zealand, for employers and drivers of motor cars to have insurance to cover any damage to others for which they may be responsible. However, the major insurers in the United Kingdom have set up the Motor Insurers' Bureau, which provides cover if the negligent driver is uninsured or cannot be identified. These provisions have made courts more willing to find that injuries to a person in an accident were caused by negligence, so that the person receives compensation. Under the Road Traffic (NHS Charges) Act of 1999, where compensation has been paid out, the treatment costs incurred by a hospital in treating a traffic accident victim can be reclaimed from the compensator.
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