no win no fee injury: Claiming For An Accident

Claiming For An Accident

as a policy holder of home insurance, could i make a claim for an accident on my own property?
i slipped and fell off a ladder on my own roof

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If you have 3 years no claims on car insurance and have 1 accident (no one at fault) do you loose all 3 years?
I just want to clarify if when you have claimed for an accident where the fault is still being agreed, do you loose all 3 years no claims or not?

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Does my family have to file seperate claims for an accident or can we file as a family?
My family and I (husband & 3 kids) were in a car accident in August of 2006. I was the only one hurt in the collision and have had a hard time witth the driver-at-fault car insurance company. Should I file a claim for all 5 of us or do we file seperate. I am not trying to scam these people, but we lost a snake, suitcases, baby stroller, $7300 in damages to my truck (they only paid $5200 for damages, I had to pay for my rental car for almost $600. AND i lost out on almost $1700 in lost wages, plus they took the rental car before our truck was out of the shop so my kids couldn't go to school and letter was sent to me informing me they were going to refer me to Social Services and Juevinile Probation! It has been almost a year and then they told me to send them my medical records......I thought that was something they had to request and pay for? I sent them a settlement demand letter today requesting they settle for $18,000 for all 5 of us............Too much?

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