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    "If you've been injured through no fault of your own you could be entitled to compensation. If you're unsure if you could claim, I recommend you call Accident Advice Helpline."

    Esther Rantzen

    Vehicle accident insurance


    Vehicle accident insurance

    The cost of car insurance is rising all the time and there has been an increase in recent years, of people driving without a car insurance policy. Unfortunately, if these people cause an accident on the roads, the consequence is that the cost of all car insurance policies is pushed up even further.

    To clarify the different types of vehicle accident insurance policies available, we have listed them below, and explained exactly what each policy includes.

    Third party insurance policy

    This type of policy is the legal minimum required to drive on the roads. It is a basic policy that covers damage to the car, property or any other liability to a third party, but does not cover repairs to your own vehicle.

    Third party fire and theft

    This vehicle accident insurance policy covers all the third party liabilities as above, and also covers you if your car is stolen or damaged by fire. It is a step up from the basic third party insurance and provides a little extra cover for yourself, but does not pay for the repair of your own car.

    Comprehensive vehicle accident insurance

    This type of policy provides much greater protection, as it covers repairs to your own car even if you are the cause of an accident. You pay an annual ‘excess’ which is the amount you will pay for any repairs if you make a claim, and this should be the limit of your liability.

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    Making a claim for compensation

    Unfortunately, many car accidents insurance policies do not include the ability to claim for personal injuries you have suffered as the result of an accident that was not your fault. If this is the case for you, we may be able to help you make a claim through us.

    With the support of a network of legal partners, we help thousands of people every year to claim personal injury compensation following an accident that was not their fault, and operate a 24-hour helpline for advice and guidance. If you think that you may have a claim, consider whether these 3 criteria apply to you:

    • Your accident happened within the last 3 years
    • It was not your fault
    • You received treatment for your injuries following the accident

    These are the general criteria that apply to making a car accidents insurance claim, so if you think you are eligible, just give us a call and we can tell you what the process involves.

    We operate on a no win, no fee* basis which means that there is little financial risk to you in making a claim, and it will cost you nothing in advance, so phone Accident Advice Helpline to see if you can make a claim for compensation.

    Call now on 0800 689 0500 or 0333 500 0993.

    Date Published: 11th January 2013

    Author: David Brown

    Accident Advice Helpline (or AAH) is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England and Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority with licence number 591058 and regulated by the Financial Conduct Authority.

    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.

    No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client's request.