Which insurance should you choose?
If you have a road accident and were at fault for what happened, you will need to pay out for any damage to your own and the other driver’s vehicle. It is the law in the UK that every car on the road must be insured, and your insurance will pay out for the damage to any vehicles involved in the accident, as well as any whiplash injury in Colne that the other driver has sustained.
There are three types of insurance you can choose from in order to keep your car legally insured, and to help you out in this situation. It can be difficult to know which option is the right one for you however, even if you have bought insurance in the past.
Third party insurance is usually the cheapest type of insurance to find, but only covers the other vehicle in an accident. This means that if you are to blame for an accident where both yourself and the other driver’s vehicles were damaged, your insurance will only pay for the damage to the other car, and you will need to pay for the damage to your car on your own.
Fire and theft
This type of insurance covers everything that third party insurance does, with the added benefit of covering you against criminal activity. This means that if your car is broken into or damaged by vandals, you should be able to repair or replace your car on your insurance. However, it does mean that if you are involved in an accident which is your fault, you will still have to pay for the damage to your own car out of your own pocket.
This is the safest type of insurance to buy, as it covers third party, fire and theft and your own vehicle in an accident. You can also tailor your insurance to cover any possessions of value in the car at the time of an accident, and get a hire car included whilst your own car is being fixed.
How to claim for a whiplash injury in Colne
If you have sustained a whiplash injury in Colne as the result of an accident which was not your fault, making a claim for compensation against the other driver is your right.
The other driver may pay out for your whiplash injury in Colne out of their insurance, but they also may not, and you can pursue a claim through other means in this case.
Call Accident Advice Helpline on 0800 689 0500 to speak to the team about your accident and whiplash injury in Colne and find out whether or not they can help you with a claim. If you want to go ahead with a claim after this initial phone call, you can speak to the team of experienced injury lawyers and make a start on a claim.
The injury lawyers work on a 100% no win no fee basis, and will also work on your behalf so that you shouldn’t have to go to court.
Date Published: 13th May 2014
Author: David Brown