It’s really a matter of reading the small print. A major UK insurance company has worryingly stated that four in five people think they’re covered for personal injury on their car insurance policy when they’re not.
The study reveals that three-quarters of motorists don’t fully understand the details of what their policy does and doesn’t cover. Nearly three in five (58%) people expect their insurers would definitely play a part in their recovery if they were to suffer a whiplash injury in a motor accident which was their fault.
Cause for concern
If you were the injured party in the other vehicle, however, this would obviously cause you some concern. You’d be thinking – is this person properly covered for damages to me? Insurance legalities can be a minefield, so if you’ve been a victim of whiplash or any other injury caused by the negligence of someone else, Accident Advice Helpline would act swiftly in finding a UK car injury specialist to act on your behalf for compensation claim.
UK car injury specialist
We work with several hundred 200 legal specialists nationwide and by calling our constantly manned free-phone line, we would be able to give you fast and friendly information on what to do next. Accident Advice Helpline would certainly waste no time in contacting a UK personal injury solicitor best suited to your case and conveniently located to where you live. With many minor injuries, claims can actually be handled over the phone, so you may not even have to see a UK car injury specialist face to face. How easy is that?!
On first contact with Accident Advice Helpline, you’ll take a simple 30-second test to establish if you can make a claim, the main criteria being that the accident was not your fault, you’ve received medical attention and that it happened within the last 3 years. An experienced UK car injury specialist will tell you that even if the third party was not insured in a motoring accident, you can still claim against him or her.
When drivers pay their motor insurance policy a small part of the annual premium is given to the Motor Insurers Bureau. They act as though they are insurers for a driver who was not insured or who has disappeared after the accident. The Bureau uses the terms uninsured and untraced to describe these drivers.
Examples here include someone who was driving illegally and without a valid policy of motor insurance in place – in effect, an uninsured driver – or someone who gave you false contact details after the accident. In a road traffic accident the MIB will expect you to take the vehicle registration, make and model, so the driver at fault can be traced if possible should he give you wrong details.
Expenses on top
A UK car injury specialist appointed by Accident Advice Helpline will go all out to get you the injury compensation you deserve in such a case, plus expenses on top for money you may have to pay out as a result of your injuries. The offending party would also inevitably face police prosecution.
But in complicated cases, a UK car injury specialist will stress the importance of you being vigilant in terms of gathering information about the accident from the start – photos of the accident scene, pictures of your injuries both at the time and later, witness contact details, names of police officers involved, and so on.
You can give our team a call on 0800 689 0500 or 0333 500 0993 from a mobile to discuss things in more detail.