CAR INSURANCE CLAIMS

UK car insurance claims must be proved and to receive compensation somebody else must be to blame for the accident. You can still recover damages even if you were partly responsible for the accident and you can recover damages if it is a friend or relative that caused the accident. Over 3 million people are injured in accidents every year however the majority do not realise that they are entitled to claim. Most organisations and employers are insured and it is the insurer who will pay compensation, so making a claim should not threaten your job or hurt other people. Compensation that can be claimed includes:

• Future losses which is an estimate of losses that are likely to continue for the foreseeable future. The court will calculate this figure and then apply a discount to allow for the fact that the money is received at the conclusion of car insurance claims rather than over a period of years.
• General damages which is compensation for items which cannot be quantified precisely. The main item of general damages is usually damages for pain and suffering caused as a result of the injury.
• Special damages which is compensation for losses which can be calculated accurately and includes loss of earnings, travelling expenses, the cost of medical treatment, personal property and other quantifiable losses.
• Interest which is payable on some items of compensation. The amount payable varies depending on the type of damages. Interest on special damages is payable from the date of the accident and interest on general damages is payable from the date of service of proceedings.

In order to make a compensation claim it is necessary to prove that another person has been negligent.m Car insurance claims can still be made even though both people involved in the accident have been negligent as the judge can apportion blame between both parties involved. This is known as contributory negligence. There are four parts to proving any negligence claim:

• the existence in law of a duty of care whereby the law attaches liability for carelessness which means that the careless infliction of the damage or injury complained of on the claimant is actionable
• breach of the duty of care by the other person which means that the conduct complained of fails to measure up to the standard set by law
• a connection between the careless conduct and the damage or injury
• that the damage caused by the other persons careless actions is reasonably foreseeable

We are able to deal with car insurance claims completely risk free by using the no win no fee scheme. Whether you win or lose you won't pay a penny and your compensation will be paid in full with no deductions. You do not have to fund or finance your claim in any respect. If you would like free advice with no obligation from UK accredited experts then just complete the car insurance claims contact form and a member of The Law Society panel of personal injury experts will telephone you.