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Injury

When you’re involved in a vehicle collision it’s important to make sure that your interests are not forgotten and that you take proper advice from a qualified lawyer on car accident compensation claims. It doesn’t matter if you’re the driver, a passenger or a pedestrian your rights and your interests are equally important. Legal protection for the right to claim damages for personal injury from a negligent third party is universal and each one of us will have different, but equally important claims.

As the driver of a vehicle, your priority will usually be to make sure that your vehicle is repaired swiftly so that you can get back on the road as quickly as possible, prior to considering any car accident compensation claims for relatively minor personal injury. If your vehicle is totally destroyed and is written off by the insurers then you can expect to be compensated within a few weeks provided that there is no dispute in regards to liability for the accident. If your vehicle is repaired you can also often claim further compensation for loss of value on the open market as a repaired vehicle is worth less than a vehicle in original condition.

If you are insured on a fully comprehensive basis and initially make car accident compensation claims on your own policy then your insurers will deduct any agreed excess from the sum paid to you however this deduction for the excess can usually be re-claimed from the negligent third party or their insurers. A number of insurance companies provide courtesy cars while your vehicle is being repaired. If your insurance company does not offer this service then you can hire a similar car and claim the cost from the third party. Other vehicle expenses that can be claimed include storage and recovery charges or any other reasonably incurred costs or charges.

If you only have third party insurance then you can only claim for repairs or replacement if the other driver was the one at fault for the accident. If you were to blame then your third party insurance does not cover your losses however it does cover injury to any passenger or party other than the driver who can make a claim against you which will be indemnified by your third party insurers.

If you have been involved in a road traffic accident where the driver of the other vehicle is not insured then the Motor Insurers Bureau (MIB) will step in to compensate the victims of an uninsured driver. The rules relating to Motor Insurers Bureau claims are complex and it would definitely be to your advantage to take qualified advice from a lawyer. In the case of a traced but uninsured driver the MIB will pay compensation including payment of reasonable legal costs incurred to pursue the claim. If you were involved in a hit and run accident where the third party driver remains untraced then the MIB will consider an application for compensation however in this case they will not usually pay the claimants legal costs.