Third party liability insurance


If you have been injured as a result of somebody else’s thoughtless actions, the personal injury lawyers here at Accident Advice Helpline may be able to help you to claim compensation for the physical, psychological, and financial damages you have suffered.

The level of compensation you will receive will be determined by your personal injury lawyer, who will negotiate a settlement which fairly reflects the impact your injury has had on your life. At the outset of your claim, your lawyer will work with you to proactively calculate your financial losses, so that when the guilty party admits liability you will be able to progress straight to negotiations, avoiding any unnecessary delays.

Your compensation settlement will be divided into two main awards: general damages, which will compensate you for the distress and frustration caused by your injury, and special damages, which will compensate you for your lost earnings and extra related expenses. Special damages are fairly easy for your lawyer to calculate; they are uncapped, and always form the basis of your payout. General damages, on the other hand, are more difficult to calculate, as your lawyer must be able to prove that your injuries are worthy of a large compensation settlement.

Who will pay for my compensation settlement?

The defendant – that is, the individual or organisation which takes the blame for your accident – will pay for your compensation settlement. However, due to the prevalence of third party liability insurance coverage, an insurance company will usually pay out for your claim. For example, if you make a claim against your employer, they will recoup the cost of your claim through their third party liability insurance. If an individual or organisation does not have third party liability insurance, it is highly unlikely that you will receive a payout for your injury.

What happens if the third party liability insurance provider refuses to accept my claim?

Your lawyer will always try to settle your claim out of court. However, if they fail to agree on an appropriate level of compensation, it may be necessary for them to take your case to court. If court proceedings are necessary, do not worry — your lawyer will continue to act for you on a 100% no win no fee* basis, providing you with comprehensive legal advice every step of the way.

To get in touch with our personal injury lawyers, please call our freephone helpline on 0800 689 0500 or try out our 30-second test.

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Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

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