What You Need To Know About Car Accident Claims In The UK


Had a car accident a recently? Confused about how to proceed with your motor insurance claims? The first thing to make sure of is whether you are fully insured or not. A car insurance companies’ primary responsibility is to provide you or any other customer financial security against car collisions and consequential damage to the car and to the body, if any. So, if you have involved yourself in a car accident you need to file an insurance claim against your insurance company or the other driver’s insurance company, you have to be acquainted with at least the basic knowledge of how to do this. However, do not forget that there are strict rules to be observed when making claims in the United Kingdom.

What You Need To Do Before You File A Car Insurance Claim

In the United Kingdom, if you only have third party insurance cover you can file for a motor insurance claim only if the accident was the other driver’s fault. You have to prove to your insurance company that the accident was the result of negligence or carelessness on the part of the other driver. You cannot make an accident claim against your company for body injury or car damage if you were yourself responsible for the accident. There are several processes involved in proving “legally” that the other driver was responsible for the accident. Once it has been proved, you can proceed with the necessary steps to get your repairs paid for.

The Processes Involved In Car Insurance Claims In The UK

The process involved in showing that a driver is “legally” responsible for a car accident is the same in all parts of the United Kingdom. So, read the rules properly to fully understand this. Before you file for a claim, you have to prove to them that the other driver is responsible for negligence with their driving. You can prove this inefficiency by either pointing to the lack of driving skills or flouting of the Highway Code. If they have flouted any other rule that you know of, you can include that as a part of your attempt to prove the driver’s legal fault. Many a time, carrying heavy objects that are not allowed can also cause an accident. Not just that, in the United Kingdom, even if you have suffered bodily injuries, your medical reports have to prove to the insurance company that the wound or injury is the result of the car accident and not for some other reason.

Be Sure You Have The Appropriate Motor Insurance

The law in the United Kingdom has certain compensation rules if the road traffic accident was not your fault. It covers your physical injuries, damage to your car and even other kinds of financial losses that relate to the car accident. For this, you need to have motor vehicle insurance so that if you are the third party between your insurance company and the other driver, you will get compensation.

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