If you are involved in a Byfleet car accident, then it is likely that your insurance will be affected. Insurance is calculated according to risk, so the less likely it is that you will have an accident, the more likely it is that your insurance premium will be cheap. Insurers often charge more if you are young or have just started driving, as statistically the young and inexperienced are the most likely to have accidents.
Your insurance costs should go down with every year that you are on the road. However, if you have an accident then insurers see it as far more likely that you will have an accident again, so your insurance can go up. On top of this, the no claims bonus which is added to your insurance year on year will be removed, making your insurance cost more.
- You may have to pay out on your insurance. If you caused an accident, then it may be down to you to pay out on your insurance. You will have to pay for any damage to the other person’s vehicle, and possibly any injuries they have sustained. Your insurance will also pay out for the damage to your own car.
- Your rate may increase. Insurers may ask for more money next time you renew your car insurance if you have had an accident, especially if this was proven to be your fault. This is because you become a higher risk once you have had an accident.
- Your rate may not increase. By the same token, if you have always had a history of safe driving, and this accident was not caused by drink driving or any other reckless behaviour, your rate may not go up at all.
- You will lose your no claims bonus. The no claims bonus that builds up with each year you are insured and don’t have an accident will be lost if you cause an accident.
How to claim compensation for a Byfleet car accident
One of the ways in which you can recoup some of your losses from a Byfleet car accident is to make a claim for insurance against the other party involved in your accident. To do this effectively, you should work with an experienced personal injury lawyer, who will be more likely to be able to put together a strong case which has a good chance of being successful.
Call Accident Advice Helpline on 0800 689 0500, or 0333 500 0993 from a mobile, to speak to our team about your accident and find out more about the claims process. The helpline is available 24 hours a day, seven days a week and offers advice and support, as well as up-to-date information about compensation claims.