If you’re not the world’s best driver and are prone to having the odd accident or two, you would be very well advised indeed to make sure that you have a comprehensive car insurance policy in place. This might cost you more than a third party policy, but it could be an investment that pays off. However, you should always make sure you read the small print in your policy documents, paying special attention to the benefits and exclusions. Perhaps most importantly, you will need to be fully aware of the excess you have to pay.
Some insurance firm offer cheap as chips comprehensive cover, but charge a sky high excess. This could mean that if you caused an accident that somebody else ended up getting injured in, you might have to stump up a pretty penny if the injured party made road traffic injury claims in Tower Hamlets.
Vehicle insurance and road traffic injury claims in Tower Hamlets
Imagine that you were out for a nice drive in your new car. You’ve just sorted your insurance out, so have no worries about people making car accident claims against you in the unlikely event that you should cause an accident. This knowledge isn’t causing you to drive irresponsibly, but it is nice to now you have a decent cover in place.
Pulling up to a junction, your mobile rings, which distracts you from the road. Despite the fact that you did not answer your phone, the distraction is enough to break your concentration to the degree that you brake late and end up hitting the back of a car that has stopped in front of you. You were traveling at a very slow speed, and no serious damage is done to the other car.
You swap insurance details with the driver of the other car, and think that your insurance firm will cover anything you have to pay. Sometime later, to your horror, your insurance firm sends you a bill for £2,000. It appears that the person you hit made car accident claims after suffering a whiplash injury in the accident. It seems that £2,000 is the excess on your policy. You have no alternative but to pay.
Road traffic injury claims in Tower Hamlets
Under these circumstances, it would have been likely that the person you hit would have made car accident claims with the help of a top 100% no win no fee personal injury law firm such as Accident Advice Helpline. The firm would have got in touch with your insurance firm and sought to recover compensation for the whiplash injury that you supposedly caused due to your late braking. If you need help, you can reach Accident Advice Helpline at 0800 689 0500 from a land-line or if using a cell phone to call, dial 0333 500 0993
Date Published: 13th December 2014
Author: David Brown