When you have full time job, it’s better to get insurance for yourself. You don’t know what will happen for tomorrow. Just being prepared for the future, I really recommend getting a personal injury solicitor. Accident at work, road traffic or any accident happen night or day, the companies covered on a no win no fee basis. They will be with you till you will be paid by your claims, and they will work with you 24/7. They will give their all support. This is how they love to work every client they have.