More of a WWYD

[PyongyangKipperbang]

At an organised event and got smacked on the bridge of my nose by falling fireword debris. Hurts like crazy, huge lump, probably going to have a black eye by morning.

Organisers, local council, crapping themselves, was surrounded by 10 people at one point, mix of them and St Johns all making sure I was ok. Very concerned as there were very young kids there, including DD who could have been seriously injured. As I could have been had it been half an inch over, I could have lost an eye.

So, WWYD now? I keep being told to claim, but I am not sure I feel happy about doing that, Ive always thought it was a slightly greedy thing to do, accidents happen after all. That said, if I do have bad bruising it will affect what I can do at work as I run a quite "naice" place and would have to keep out of the way and pay more staff to cover my FOH hours.

sorry I meant long term damaged

What financial loss have you suffered?

but sometimes unless you claim against the insurance there's no precedent/incentive to investigate accidents like this.
So first check with the organisers who is responsible and make a complaint. Then look at things you have had to do differently that have impacted your life and cost you money - if there is a cost, you should claim.

But yes, generally attendance is at your own risk, on the other hand insurance is there for this kind of thing (assuming you have incurred costs)

I think your own idea of asking the organisers to investigate HSE procedure and let you know formally what the outcome is is excellent, assuming you don’t suffer serious loss of income.

Convo with my father earlier

-You should claim... blah blah...usual bollocks

-Ok, I'll look into it. Did you council tax go up this year by the way? Mine did.

-Yes why?

-Because every single person who sued the council this year will have contributed to their insurance costs increasing. I wonder if thats why the council tax went up. It cant have helped can it? We all pay a bit more so Brenda who wasnt looking where she was going can get £500 for a twisted ankle.

• Point taken. Smart arse

I think I won that, what do we think? :o

I would complain, strongly, and demand a strong assurance that safety measures will be increase for the next event and that this was taken very seriously

basically I would feel awful if I read in the paper that a child had got hurt the next year and I hadn't done anything at all

but no, I don't think I would claim as such.

Claim what? Money? How would that stop your face hurting? If it’s a council you are suing as an organization, you’re actually suing yourself and your neighbours as that’s who’ll be ponying up if you win any damages. If you’re going to sue an individual then that’s different.
Although I’m pretty sure that attending an event that has fireworks carries a certain amount of implied acceptance of risk.

I think by attending an event with fireworks you're accepting there's a small risk. Fireworks have debris and we all know that - if the venue is small I'm not really sure how you're expecting them to alter things.

Don't sue,

The insurance company wouldn’t even be involved. You won’t be suing them, They’ll probably just offer you £500 to go away. This isn’t the sort of thing that gets done through insurance