Know when to pay out of pocket
Your insurance will generally cover any road accident you have, and pay for the damages to yours or the other person’s car. The reason for having insurance is so that you are able to pay for these things if and when an accident happens.
However, what some people don’t know is that in some cases it actually works better in your favour to pay out of pocket for any damages rather than claim on your insurance, as it can save you money in the long run, and prevent you from losing your no claims bonus. Here are some tips for knowing when to pay out of pocket.
- For smaller payouts. If the damage done overall is worth less than, say, £500, you should consider paying for it out of your own pocket. If you lose your no claims bonus you may actually end up paying far more than that when it comes to renewing your insurance, so you may save money by paying for it yourself.
- If you are the only one involved. It is not worth losing your no claims bonus for an accident in which there was no other party, and you may as well slowly pay for the repairs to your own car instead of going through the insurance process.
- If you want the situation dealt with quickly and cleanly. If you simply want to problem to go away and don’t want to have to deal with it over a long period of time, it is worth just paying for the damages yourself, as long as you can afford them. Going through the insurance process can be long and draining, so this can save you a lot of time and energy.
Using solicitors in Dukinfield to claim compensation
If you have been involved in an accident which was not your fault, and was actually caused by the negligence of another driver, then you may want to claim compensation for any injuries you have sustained. The best way to do this is to use solicitors in Dukinfield at Accident Advice Helpline, who know the law better than you, and have the tools at their disposal to ensure that you get the compensation you deserve.
Accident Advice Helpline has over 10 years’ experience in the field of personal injury compensation claims, and works with experienced and professional solicitors in Dukinfield to process your claim.
You can call the helpline on 0800 689 0500 to speak to the team about your claim, and they will talk to you about the claims process, as well as offering advice and support for your individual situation.
If you want to proceed, you will be passed over to our solicitors in Dukinfield, who will work with you on a 100% no win no fee basis to get you the compensation you deserve.