Compensation in car insurance is the part of our insurance premium that covers us for someone making a claim for compensation against us if we cause a car accident. If we cause a car accident, that means it has happened because of something that we did or something that we did not do. Motorists can cause car accidents by driving inappropriately or carelessly, by making a poor judgement, or by having a lapse of concentration.
If we cause a car accident and some innocent person gets hurt, then they are entitled to make a claim for compensation against us. They would do this by contacting a legal firm like Accident Advice Helpline.
Claiming compensation in car insurance
Claiming compensation in car insurance is made very easy for the injured person. Once they have made the initial contact with Accident Advice Helpline and provided some straightforward simple information, then the personal injury lawyers do the rest. They try to deal with as much paperwork as they can.
Most car accident claims for personal injury are paid out of our motor insurance premiums. We pay this so that we will be insured if we have an accident in our car. If someone is claiming from our insurance policy, they will claim from the compensation in car insurance element of our policy. They will be able to claim a fair sum for the injuries they have suffered, and for the money they have lost because they are injured. Some people may claim because they have lost wages, whilst others may have had to pay out for childcare or personal care. The compensation in car insurance premiums is to cover this.
Not claiming compensation in car insurance
Some people cannot make a claim for personal injuries. Firstly, the person who caused the accident cannot make a claim, because they would have to claim from themselves and this is clearly not possible. The second group of people who cannot claim are the people who have been involved in a car accident and are not injured. Some car accidents are thankfully very slight and it is only the vehicles that are damaged. There is therefore no need for a personal injury claim to be pursued in this case.
Some people become very concerned when they have been involved in an accident caused by an uninsured driver. It is a sad fact that some irresponsible individuals drive around every day without motor insurance. If they cause an accident, there is no policy to claim from. However, there are some remedies to this situation that a highly skilled personal injury lawyer will be able to tell you about.
If you have found yourself in this difficult situation then it is also a good idea to give Accident Advice Helpline a call and discuss your case with the highly trained, friendly advisers. You can call anytime on the 24/7 hotline, available on 0800 689 0500.
Date Published: 11th September 2013
Author: Sharon Parry
Category: Car accident claims