We can help you if you’ve been involved in a motor accident crash that was not your fault.  You would not be alone in thinking your Comprehensive Motor Insurance Policy will recover all your expenses and losses.  It can be a nasty shock to find that when you have had an accident your insurance policy does not recover all your uninsured losses and expenses for you. 

We can resolve this for you with our skilful negotiation.

Contact our Claim Team for Free Advice on:

UK Freephone 0800 975 36 36 or complete the Claim On-line form.

Everyone making a claim against a Third Party has a duty to mitigate his or her losses.  Basically this means that all expenses and losses incurred as a result of an accident have to be kept to a minimum.  Reasonable expenses and losses incurred will be part of the claim against the at fault Third Party involved in the accident.

If you have been unfortunate to have been involved in an accident with a hit and run driver, uninsured or untraced driver then click here for further information.

It is important that you are professionally represented for your claim so that you do not lose out. Our experienced and skilled Panel Solicitors will ensure the very best settlement award is achieved for you.

Here we give you guidance on some of the things that can be considered by our Panel Solicitor when negotiating on your behalf the recovery of your losses and expenses as a result of an accident.

Any expenses you incurred as a result of the accident, no matter how small the value, make sure you keep a record and the receipt.  If you have to use a taxi cab or other public transport or purchase medication etc. ask for a receipt.  Keep the receipts safe until the panel solicitor asks you for supporting evidence.

Vehicle repair costs if you are only insured on a Third Party, Fire and Theft policy

You can claim for the reasonable cost of repairing your damaged vehicle against the Third Party at fault or their insurance company.  It is likely that the Third Party’s insurance company will want to inspect and assess the damage to your vehicle before agreeing to the repair costs.

If you can, take photographs showing the damage to your vehicle in case you need to refer to them later.

If you had a comprehensive insurance motor policy your insurers would pay for the repairs.  In the event you only have a Third Party, Fire and Theft policy you may have to pay for the repairs yourself until it is claimed back from the Third Party’s insurers.  In circumstances where you are unable to pay for the repairs you must obtain a pro-forma invoice from the vehicle repairers for payment from the Third Part’s insurers if they have accepted liability.  Our Panel Solicitor will advise you where these circumstances arise.

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Replacement vehicle hire costs

If you have a Comprehensive Motor Policy it may include the provision of a courtesy vehicle whilst your vehicle is being repaired.  However in situations where you are not entitled to a courtesy vehicle you may need a Replacement Vehicle while your vehicle is off the road for repairs.

Your options are:

This is when you hire a temporary Replacement Vehicle from a local hire company.  You have to pay the hire charges up-front at the time of the hire.

The vehicle Hire Company supplies a vehicle on credit.  No up-front cost to you and the Third Party insurers pay the final invoice.  We can provide you with a Credit Hire Vehicle: Click Here for details.

In both cases replacement hire vehicle charges will form part of the claim against the Third Party who were at fault for the accident.

As a result of a motor crash accident a claimant is not entitled to a hire vehicle that may be considered superior to their own damaged vehicle. 

In the event your vehicle is beyond economical repair (i.e. an insurance write-off) you will be entitled to hire a vehicle.  However, your entitlement within any claim for a replacement hire vehicle is restricted to a few days of ascertaining that it is a write-off and offer for the value of the vehicle.  You will not be entitled to incur unreasonable hire charges waiting for the rest of the claim to be settled.

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Insurance Excess if you are insured under a Fully Comprehensive policy

Claimants often forget to claim back their comprehensive insurance policy excess.  This is the excess amount that you have had to pay to the garage when your vehicle damage was repaired.

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Damaged vehicle towing and storage charges

The reasonable cost of towing/uplifting a damaged vehicle to a storage compound and a garage for repairs while the claim is being processed.

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Diminution in value

In some cases this uninsured loss can be claimed against the third party who was at fault. Diminution in value is where a damaged vehicle has been repaired but because it was damaged in an accident the value of the vehicle has been reduced. There must be evidence to show that the vehicle value repaired is less than if it had not been damaged in the accident.

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Personal Injury

On your behalf we can claim for personal injury if you have suffered any physical and or psychological injury as a result of an accident.

This will also include loss of earnings, loss or damage to personal effects, medical costs etc.  Click Here for more details.