Car accident claims


Accidents can be extremely disruptive to your life and cause considerable financial loss. Accident damage can occur to both your property and your person. If you have been involved in an accident that was not your fault, you may be entitled to claim compensation.

Car insurance

It is a mandatory legal requirement that all vehicles be insured before they can be driven on the road. The minimum level of insurance allowed by law is third-party insurance, which covers:

  • Damage to other people’s property
  • Personal injury claims

This is to ensure that if you are involved in a car accident and it was not your fault, you have a form of financial redress. The other person involved in a road-traffic accident could be:

  • Another driver
  • A pedestrian
  • A cyclist
  • Passengers

How to make a claim

In the event of a road accident, car accident claims can be made to your insurance company. Your insurance company will then seek compensation from the other person’s insurance company if it is agreed that they were at fault. If the driver at fault does not have insurance, compensation may be claimed from the Motor Insurers’ Bureau.

If you have suffered an injury as a result of a road-traffic accident, you should instruct a specialist solicitor to represent you. Your solicitor must follow a strict protocol established by the court:

  • Firstly, they must write to the person against whom you are making the claim, informing them of the reasons they are being held responsible for your injury. The letter should also list your injuries and expenses
  • Your solicitor will instruct a medical expert to put together a report on the nature and longevity of your injury. This will be used in the valuation of your claim
  • The respondent or their insurance company has 21 days to acknowledge the receipt of the letter. They must, within three months of receiving the letter, inform you of their decision
  • They can either settle the claim and pay you compensation, or deny their liability. In the latter scenario, your lawyer may consider going to court

What you can claim for

Car accident claims may be made for the following:

  • Loss of earnings
  • Personal injury
  • Damage to property
  • Vehicle repairs
  • Cost of alternative transport, for example taxis

An accident damage claim can be made to the courts in order to claim damages covering both accumulated and future costs. These claims are brought in tort. A tort is a civil wrong and tort law allows individuals to claim compensation from those who violate their private rights. The amount of compensation will vary from case to case and be based on individual circumstances.

Many solicitors will offer a ‘no-win, no-fee’ service for accident compensation claims. If you have suffered a physical injury of property damage as a result of an accident that was not your fault, we can match you with a local specialist accident damage compensation claims solicitor.

Are you looking for legal representation to help you make a car accident claim? We can recommend a specialist personal injury lawyer to assist you in bringing a claim for compensation against the negligent party in your car accident. Please call us on 0800 1777 162 or complete the web-form above.

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