Car accident insurance for personal injury claims
Unfortunately, most of us have been or will be involved in a car accident at some point in our lives. A car accident can be a traumatic experience. You may be lucky enough to walk away with no physical injuries, but the psychological trauma can be painful too. You may suffer anxiety or panic attacks. If you have suffered physical injuries, you may have whiplash, broken bones, back injuries or in serious cases paralysis.
If you were involved in a car accident that was not your fault, you may be entitled to claim compensation for your personal injuries and financial loses. The law in the UK requires every driver to have car accident insurance. However there are different levels of car accident insurance:
- Third party: This is the minimum cover, which is a very basic policy. Third party insurance covers any liability to third parties, but does not cover any other incidents.
- Third party, fire and theft: This type of insurance covers all third party liabilities and also covers your own car against damage from fire and theft.
- Comprehensive cover: This encompasses third party, fire and theft, as well as damage to your car, vandalism and other risks. This is the most expensive type of car accident insurance cover.
Unfortunately, most types of car accident insurance do not cover claiming for personal injuries you have suffered as a result of a non-fault accident, unless you have additional legal cover.
Claiming for personal injuries
Luckily, you can claim for personal injuries if the accident was not your fault. Accident Advice Helpline are a personal injury law firm who specialise in helping victims of negligence to claim compensation for any injuries they sustained and also for financial losses. We have a large team of personal injury solicitors who have specialist experience in car accident claims. All of the solicitors who work for us operate a no-win, no-fee agreement, therefore if your claim is not successful you have no legal fees to pay. The claim will be made against the negligent party’s car accident insurance policy.
What happens if the negligent party does not have car accident insurance?
While it is against the law to drive without insurance, there are many people who take the risk of driving without any cover. In these circumstances, the Motor Insurers’ Bureau would compensate victims. They would also provide compensation when the negligent driver is untraceable, as in the case of a hit and run accident. Your personal injury solicitor would be able to take care of this for you and make the claim on your behalf.
Contact us here at Accident Advice Helpline to see how we can help you. We have professional and helpful advisers who will be able to talk you through the claims process and give you an idea of how much compensation you could possibly claim. You can also take our 30-second online test, which will assess your eligibility for compensation.
You do not have to suffer quietly, get the help you rightfully deserve. Call free on 0800 689 0500 from a landline or 0333 500 0993 from a mobile phone for more information.
Date Published: 9th December 2012