There’s no avoiding car insurance. It’s a legal requirement but in the event of needing to make an accident claim or, more importantly, having one made against you, you’ll be grateful you have it. However, younger drivers have difficulty finding car insurance, never mind finding the cash to pay for it. If that sounds familiar, don’t be tempted to break the law to save a bit of cash. In the event of an accident claim you may very well come to regret it.

Not even half of the major companies providing car insurance will cover a teen driver. Buying a policy with one of the few that will could cost £4,000 which is often more than the value of the vehicle. If a female teenage driver makes an accident claim, it is likely to be of lower value than one made by a male teenager, so it is the male teenagers who have the costliest policies.

Statistics support the insurance companies’ assumptions that teenage drivers are likely to have an accident claim made against them. Drivers in this age group are ten times more likely to injure or kill someone on the roads than their more experienced counterparts. Still, many parents are acting illegally in their attempts to bring down the cost of insurance.

Around one fifth of teenage drivers have no insurance at all, according to the Motor Insurers’ Bureau. Many more do what is known as ‘fronting.’ This is when a teenager is the main driver of the car but tells the insurance company that their mother or father mostly drives the car. Some see it as a harmless money saver. It is against the law.

In the event of an accident claim being made the insurance company can investigate who really was the main driver and where policy holders have lied, there can be consequences. There may be prosecution and they might find they have problems getting insured again in the future. Also, insurers have the right to refuse to pay the accident claim settlement.

Surveys seem to suggest that people think ‘fronting’ is harmless and that it is common practice. However, prosecution and paying the price of a whole accident claim settlement are too big risks to take to save a bit of cash.

According to the UK Health and Safety Exec, over 3,000 people die in our country every year as a result of illnesses caused by exposure to asbestos. The first priority should always be medical attention and the best treatment possible for the victims of these life threatening diseases, followed by access to the advice of a compensation lawyer.

Victims’ campaigners and many a compensation lawyer are concerned that some sufferers are unaware of their right to claim compensation or are not diagnosed in time to do so. Unfortunately, many victims only find out years after exposure that their health has been affected. This means that the victim is often well into their retirement and may mistake the first signs of ill health as general ageing, so once the diagnosis is finally made there is little time left to claim compensation.

For this reason many compensation lawyers are campaigning for more readily available information for those people who have been exposed to asbestos in their past working lives. Asbestos was widely used in various industrial settings before it was known that it is dangerous, so huge numbers of employees have had their health damaged when tiny fibres of asbestos dust were inhaled and lodged in the linings of the respiratory tract. These tiny fibres progressively rigidify the lining of the lungs, leading to the most serious of the asbestos related diseases: Mesothelioma.

Mesothelioma is very often terminal and victims may only live eighteen months to two years from diagnosis. This means that as well as medical care, the victims need swift access to a compensation lawyer so that they can ensure that there is money to care for them in their illness as well as to ensure that they can leave money behind to take care of their family.

Compensation lawyers are trained to deal with the matter sensitively, whilst ensuring financial security for victims and their families.