Every motorist has a legal obligation to be insured before they drive their vehicle. The result of this is that motor vehicle accident claims for personal injury can be made against them by third parties injured by them. But even if the person responsible for causing a road accident is not insured then you may still be entitled to make a personal injury claim.
Drivers can be held responsible for injuries to drivers, passengers, cyclists, motorcyclists and pedestrians. Motor vehicle accident claims can be brought against drivers who cause the accidents regardless of whether they are insured or not. It can be a confusing and upsetting time in the aftermath of an accident so we have made it easy to take a 30 second test to get the ball rolling and see if you are entitled to compensation.
Collecting evidence for motor vehicle accident claims
As with all motor vehicle accident claims, you would need to prove that another person was responsible for your injury.
- If possible at the scene exchange names, addresses, insurance company details, registration numbers, and phone numbers of any other people involved. Make sure you try and get someone’s home phone and only take their mobile if there is no alternative.
- Ensure you know who the driver of the other vehicle is and make sure you know who the owner of the other vehicle is.
- Get a description of each vehicle involved in the accident, so that means the year, make and model of the car, and any damage sustained.
- Then write down the precise position of the collision and all the details as to how it happened. Now is a good time to take photos. Most people have access to a camera on their phone, so use it now. Photos are vital to prove actual damage to vehicles and exact locations in motor vehicle accident claims, so be proactive and take as many as you can.
- Now is not the time to talk about blame. The aftermath of an accident can be adrenalin pumped and a confusing time and you must make sure you don’t make any admissions. This could cause big problems for you when your insurers get involved. Again it’s important to be thinking clearly at this stage as often when we’re shaken up we can put more blame on ourselves than is actually warranted.
- Take down any witness details, any motor vehicle accident claims will have more chance of success the more evidence you can offer to prove fault.
- Phone the police. They won’t attend unless there are obvious signs of injury but that doesn’t mean you shouldn’t report the incident. You may end up having problems with the other driver down the line and if they refuse to give their insurance details it’s vital that you inform the police.
- Report the accident to your insurers as soon as possible.
- Last but not least: Accident Advice Helpline has years of involvement in the personal injury claims industry; these processes are easier if you stay organised. You can call Accident Advice Helpline on their freephone number 0800 689 0500 or 0333 500 0993 from a mobile.
Date Published: 16th January 2013