When people are looking at making car insurance accident claims, they are just thinking about the money that they can get from the claim. But there are some things that they may not know about making their claim.
These are things that can affect whether or not the person is eligible for a claim. They talk about liability and insurance, both which can affect a claim.
Before you make a claim for compensation for an accident, there’s a few things that could affect the liability. They are important for anyone to know in case they are in an accident.
Liability of the owner with your car insurance accident claims
This states even if the vehicle’s been loaned to another person, if there’s an accident that happens, the car’s owner could be liable for the damages that were caused by the third party.
Employer/Company Liability with car insurance accident claims
This says that if there’s an employee who is driving some kind of vehicle while they are working, the employer may be liable jointly for those injuries due to the negligent driving of the employee.
Usage of mobile phone in car insurance accident claims
Using a mobile phone while driving’s banned in the United Kingdom. Employers might want to think about the best practice guidelines while they have their employees on the road. The mobile phones ought to be changed to voicemail if someone is driving. Another option is to have employees using hands-free kits.
Uninsured Driver in car insurance accident claims
Sadly there are a lot of people who are driving without insurance, without a driver’s license, and an MOT. The good news is that there’s a group in the United Kingdom known as MIB who deals with paying out the claims against those drivers who are uninsured.
The group was created to offer the victims ways to get compensated and then they go after the driver.
Accident Advice Helpline
Distress and anxiety are the natural emotions caused when the insurance company won’t pay you for your injuries and your damages. A lot of times there could be a good reason the insurer won’t pay but there’s also been quite a few times when the insurance company refused and it was considered unfair, unreasonable, and also in what’s known as bad faith. Legally this means that the insurance company’s breached their contract.
People don’t think about the above things when they are driving and get into an accident but they are essential to know. Things like insurance and liability can be really confusing sometimes and the insurance company knows that. So if you are in an accident it’s a good idea to have a solicitor to help you understand things and make the right decisions.
At Accident Advice Helpline, we have helped many people with finding solicitors. If you want some advice, call us and we’ll help you with finding the right person to represent your needs.
So for expert legal advice about a possible claim call Accident Advice Helpline today on: 0800 689 0500 from a landline or: 0333 500 0993 from a mobile.
Date Published: 9th December 2012
Author: David Brown