Do you need some accidents insurance claims advice?
One of the things that every driver is required to have is insurance on their car, and the reason for this is because accidents happen. Below is some accidents insurance claims advice and some steps to take to make sure that the process is much easier for you.
The claims process
All of the claims for car accidents have to follow a certain process and this process applies no matter if you have a solicitor or you’re representing yourself.
Laying the accidents insurance claim for injury foundations
After the initial things that you do for your claim are complete you have to be sure that you’ve got claim supporting evidence before starting the process. This is going to include the notes you took, where and when, and details of the medical reports and witnesses. You also will have to confirm with the solicitor you chose or by your research that your claim’s credible. The very best way that you can do this is through checking against any previous cases for personal injury. If you’ve made the decision that you have a valid case, it has to be done without three years of your accident.
Protocol before bringing your accidents insurance claim
This next step is known as a pre-caution protocol, and it’s something that all of the claimants have to follow. You have to send a couple of copies of your claim letter to the party you are suing. It has to contain particular points, which includes injury details, claim facts, and your request for the details of insurers. The defendant has to respond in 21 days or less and if there’s an insurer, the liability has to be denied or admitted by the insurer within a certain period of time. This usually is in 4 months of your claim letter getting received.
Settling the accidents insurance claim
The outcome that happens the most is a settlement. If there is liability, they might not agree with the damage estimate and there might be negotiation. This sometimes done informally or it could be done using a process that is binding called Part 36. Briefly, in this either of the claim parties might suggest an amount of money that is binding for settling that matter. If it’s refused and then the claim goes to court and there’s a smaller amount of damages awarded the party which refused normally has to pay the other party’s legal costs.
These are the things that you might want to remember when it comes to your car and accidents that you have. If you have had an accident and you are having trouble with your car insurance company or you have been injured, it might not be a bad idea to hire a solicitor to help you. If you want some help with finding a solicitor, give us a call. We have many inhouse solicitors that will work for you on a no-win, no-fee promise.
For accidents insurance claims advice call Accident Advice Helpline now on 0800 689 0500 or 0333 500 0993 from a mobile phone.
Date Published: 10th January 2013
Author: David Brown