Accident insurance


Accidents can happen to anyone at any time, in all sorts of unforeseeable circumstances and settings. Accident insurance is a product offered to cushion the financial blow of accidents.

Accident insurance is particularly relevant for those accidents that occur where it is difficult to establish and prove that someone else was at fault.

Taking out insurance

Personal accident cover is often included in private medical insurance, and in motor, travel, sports, home and business cover. One of the most common types of accident insurance is motor accident insurance.

If you are at fault in an accident, so long as you fit within the policy guidelines, and are not excluded for some factor such as being affected by alcohol or drugs, your insurer should cover any claims for:

  • Property damage
  • Personal injury

It is very important when taking out insurance to ensure that you have carefully considered what you need to be covered for, and examined the policy in detail to ensure that the cover is sufficient and that there are no large gaps or exclusionary clauses that may affect you.

Basically, you need to have a very close look at the small print of any accident insurance policy to make sure it will pay out when you need it to.

Common exclusions on most personal accident plans that often prove to be a source of contention include:

  • Being affected by alcohol or drugs
  • Taking part in dangerous or hazardous work, activity, sport or hobby
  • Failure to follow medical advice
  • Age limits
  • Accidents occurring outside the UK

Property damage

If you have been involved in a road-traffic accident and your vehicle has been damaged, you may be wondering who is liable for the necessary repairs. Liability for accident repairs will lie with the party who caused the accident. This will be determined by the insurance companies representing both you and the other party.

All vehicles are required to be insured by the law, at the very minimum to cover damage caused to third party vehicles and drivers. If the insurance companies cannot come to an agreement, they can go to court to settle the dispute. If you are found to be at fault, your insurance company will be liable for the cost of the repairs to both your and the other party’s vehicles.

You may have to pay a higher insurance premium as a result of an insurance claim being made against you.

If the other party does not have insurance, you may be able to claim compensation from the Motor Insurers’ Bureau (MIB):

  • The MIB is an organisation established by motor insurers
  • They can compensate the victims of uninsured drivers
  • They have an agreement with the Department for Transport to be able to provide this service

If you have only suffered damage to your vehicle as a result of an accident caused by an uninsured driver, the MIB may recommend that you make a claim from your own insurance. This is because you will probably receive compensation more quickly than if you make a claim through the MIB.

After a road traffic accident, repairs to your vehicle may not be the only thing you can claim from the party at fault. If you have suffered an injury, such as whiplash, you may be entitled to claim injury compensation.

For further advice on how to make a claim following an accident, see our page on accident claims.

Have you been involved in an accident and wish to make a claim for property damage or personal injury through the other party’s insurance company? We can put you in touch with a specialist personal injury solicitor or civil litigation solicitor, depending on your circumstances, to help you bring a case.

Remember – you are free to choose any solicitor to represent you, you do not have to use the solicitor offered to you by the insurance company. Please call us on 0800 1777 162 or complete the web-form above.

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