COMPENSATION SOLICITORS - ACCIDENT INSURANCE CLAIM
There are numerous circumstances whereby an accident insurance claim for personal injury can be instigated by a compensation solicitor. The drivers of motor vehicles are required by law to carry third party insurance when their vehicle is used on the road. Employers must have a policy in place that will cover both their employees and third party risks in the event of any accident. Many home owners have a policy that covers visitors to their property.
SOLICITORS HELPLINE 0845 190 0080
Road Traffic Accidents
Most accident insurance claims arise as a result of incidents involving motor vehicles. A motor policy must by law cover third party risks as a legal requirement however most of these basic policies also cover fire and theft and many drivers go further and obtain a fully comprehensive policy which includes all third party risks. Even if a driver who is involved in an accident is uninsured or untraced a claim for compensation can still be made to the Motor Insurers Bureau (MIB) which is a scheme set up by statute and funded by the insurance industry with the aim of compensating the innocent victims of untraced or uninsured drivers.
SOLICITORS HELPLINE 0845 190 0080
Negligent Driving
It should be noted that if an accident occurs and the driver is deemed to be negligent then an accident insurance claim for the drivers own damage to property or for compensation for personal injury to themselves cannot be made to their own insurance company if their policy only covers third party risks. If the policy of the negligent driver is fully comprehensive then a claim can be made to their own insurer for property damage but not for compensation for personal injury for the policy holder. Claims can however be made in each case for all losses and injury for any passenger in the vehicle. If however the fault lies with another driver then an accident insurance claim can be made by a compensation solicitor for all losses, damage and expenses that have been reasonably incurred however it should be noted that if a claim is made to the MIB following a collision with an uninsured driver or an untraced driver then there are certain limits and restrictions on what can be claimed and an MIB claim is subject to deduction of a nominal excess. Untraced claims will result in the deduction of legal charges.
SOLICITORS HELPLINE 0845 190 0080
Insurance Report
Any policy holder who is involved in a road traffic accident is required to report the incident to their insurers as soon as possible regardless of whether the policy is comprehensive or third party and regardless of whether or not they consider themselves to carry any of the blame for the accident. If the person involved in the accident has comprehensive insurance there is still a duty requiring uninsured losses to be claimed from the other party for and on behalf of the insurers which is usually tagged on to any claim made by the policy holder for personal injury.
SOLICITORS HELPLINE 0845 190 0080
Specialist Personal Injury Solicitors
The vast majority of car accidents are a result of a negligent drivers behaviour. Though a driver may cite road conditions, equipment failure or the other negligent drivers, they themselves are often primarily at fault. Excessive speed and aggressive driving are the most common causes of car accidents. An accident insurance claim for compensation for personal injury caused by a road traffic accident can result in complex legal action. It is important that claimants are represented by solicitors who are experienced in this branch of the law and who can help victims and their dependents receive the compensation to which they are entitled. Our compensation solicitors are members of the Law Society’s panel of personal injury experts.
SOLICITORS HELPLINE 0845 190 0080
Road Traffic Accident Injuries
Whiplash is the most common injury in a road traffic accident. It is not unusual for the victim of a car accident to not notice symptoms immediately. It is important for anyone who sustains injuries in an accident to seek both medical and legal advice immediately. A specialist solicitor can be an essential guide in an accident insurance claim to what legal steps and medical information will be necessary in order for the victim to seek financial compensation.
SOLICITORS HELPLINE 0845 190 0080
Accident Claim Advice
Anyone who has suffered injury in a collision that was caused by a third party has a legal entitlement to make an accident insurance claim for damages. However, if the claim is not settled by agreement, a summons must be issued in court of law no later than three years from the date of the accident. Our solicitors operate exclusively using the no win no fee scheme. With the exception of MIB claims we pay compensation in full with no deductions. Our claims are totally risk free. We do not ask you to fund or finance your claim as it proceeds and we only use specialist lawyers who are members of the Law Society panel of personal injury experts.