Most people take having access to a car on a daily basis for granted. Its an integral part of our daily routine, and a vehicle to ensure that our lives run according to our busy schedules. But what happens if this convenience is taken away? For many people this would present as a major disruption.
Motor accidents are on the rise, in correlation with the rise in traffic that congests our roads – which is why it’s compulsory to have motor insurance. But, not everyone can afford the luxury of having a fully comprehensive motor insurance policy. For those people covered on a third party basis, there’s nothing more infuriating than being involved in a car accident where you are not at fault. If your vehicle is damaged, and not drivable, and you don’t have a comprehensive insurance policy, what happens next?
Things you Should know About Car Accident Claims
The motor insurance industry is heavily regulated, and the matter of liability is covered by civil law. If you are not at fault for an accident, then you have the right to seek car accident compensation. But if you don’t have your own insurer to indemnify you for your losses where do you turn? Some third party policies offer legal cover, so in the event that you are not at fault, your appointed claims management service will manage your vehicle repairs, and organise a replacement car while your own is off the road. If you don’t have access to this service there are many accident management companies, credit hire firms, and no-win no-fee lawyers who may be willing to deal with your claim. If the third party has admitted liability, it is important to ensure that their insurers are saying the same, before you can expect someone to take your claim on. If the third party insurer has yet to admit liability independent witness statements, and police reports may be enough to substantiate your claim.
It’s very much a case of car accident not at fault – prove it. Once liability has been determined and accepted by the third party things will move quickly with the aim of getting you back on the road. The great news is that whilst you have been inconvenienced, the third party insurers will want to cost contain your claim, particularly if you are in a hire car – your vehicle repairs will be their priority.