Q. Help! I’ve been in an accident. What do I need to do?
A. First things first, it’s important not to panic. All you need to do is record the contact details of the third parties involved, such as their name, phone number, car model and registration. If you can, find out the details of their insurance policy too – although we’ll be able to trace these details from their registration. And even if the accident wasn’t your fault, you must let you own insurance company know.
Q. Why should I tell my insurance provider about an accident if it wasn’t my fault?
A. You may think it’s not relevant, but you’re actually contractually obliged to let your insurance provider know about any accident you’re involved in – whether it was your fault or not.
Q. The other party involved in the accident isn’t insured – what do I do?
A. Unfortunately, rising motoring costs mean that increasing numbers of drivers do so without insurance. However, if you are involved in an accident with an uninsured driver then don’t worry – we can submit your claims to the Motor Insurer’s Bureau (MIB), which is funded by UK insurers and helps the victims of uninsured drivers after accidents. We’ll help you in submitting your claim to the MIB and work with them to deal with your claim under the uninsured drivers’ agreement.
Q. There are so many different solicitors and claims companies – how do I know which one to use?
A. Many clients are hounded by various companies asking if they wish to make a claim before choosing Howells, but as you’re the claimant it’s solely your decision on who you’d like as your legal representation. And once you have selected your preferred solicitors, simply tell any other companies that get in touch with you that you don’t want their services.
Q. Can I still make a claim if the accident was partially my fault?
A. As each road traffic accident is different to the last, no two claims are the same, and your claim will depend on its specific circumstances. However, there are situations where you can agree ‘split liability’ with another driver, as you both admit fault and accept to pay half of the total costs each.
Q. Will my no claims bonus or excess be affected by the accident?
A. So long as the accident wasn’t your fault, you’ll have no problems protecting your no claims bonus, and if your vehicle is damaged, then your claim will probably include paying the excess. However, this will be swallowed up in the amount your awarded if your claim is successful. Sometimes, if your claim coincides with your policy renewal, you may see your premium rise, although it will in all likelihood be reimbursed in the future by your insurance company.
Q. How long will my claim take?
A. As every individual’s circumstances are different, it’s tough to put an exact time frame on your claim. Many different factors can affect your claim, such as if and when you settle and when your claim starts.
Q. How much compensation can I expect for my injuries?
A. The amount of compensation you’ll receive will, like other things, depend on a number of factors, such as the severity of the injuries and how long it will take for you to fully recover, if at all. We’ll use case law and judicial studies board guidelines to ensure your claim is valued accurately, while we’ll also strive to cover any expenses that have been incurred throughout the process.