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Injury

There are several circumstances where an insurance accident claim for personal injury can be made. The drivers of motor vehicles are required by law to carry third party insurance when their vehicle is used on the road. Employers must have a policy in place that will cover both their employees and third party risks in the event of any accident. Many home owners have a policy that covers visitors to their property.

Most insurance accident claim settlements arise as a result of incidents involving motor vehicles. A motor policy must by law cover third party risks as a legal requirement however most of these basic policies also cover fire and theft and many drivers go further and obtain a fully comprehensive policy which includes all third party risks. Even if a driver who is involved in an accident is uninsured or untraced a claim for compensation can still be made to the Motor Insurers Bureau (MIB) which is a scheme set up by statute and funded by the insurance industry with the aim of compensating the innocent victims of untraced or uninsured drivers.

It should be noted that if an accident occurs and the driver is deemed to be negligent then a claim for the drivers own damage to property or for compensation for personal injury to themselves cannot be made to their own insurance company if their policy only covers third party risks. If the policy of the negligent driver is fully comprehensive then a claim can be made to their own insurer for property damage but not for compensation for personal injury for the policy holder. Claims can however be made in each case for all losses and injury for any passenger in the vehicle. If however the fault lies with another driver then an insurance accident claim can be made for all losses, damage and expenses that have been reasonably incurred however it should be noted that if a claim is made to the MIB following a collision with an uninsured driver or an untraced driver then there are certain limits and restrictions on what can be claimed and any MIB claim is subject to deduction of a nominal excess.

Any policy holder who is involved in a road traffic accident is required to report the incident to their insurers as soon as possible regardless of whether the policy is comprehensive or third party and regardless of whether or not they consider themselves to carry any of the blame for the accident. If the person involved in the accident has comprehensive insurance there is still a duty requiring uninsured losses to be claimed from the other party for and on behalf of the insurers which is usually tagged on to any claim made by the policy holder for personal injury.

Our solicitors operate exclusively using the no win no fee scheme. We pay compensation in full with no deductions. Our claims are totally risk free and, win or lose there is no charge. We do not ask you to fund or finance your claim as it proceeds and we only use specialist lawyers who are members of the Law Society panel of personal injury experts.