If you are involved in a Road Traffic Accident that is not your fault, some expenses may not be covered by your motor insurance policy.
This might include the cost of hiring a temporary replacement car while yours is being fixed, phone calls to insurance companies, damage to your clothing, or the excess on your insurance policy.
Uninsured loss recovery is a type of insurance which seeks to reimburse you for these types of expenses.
Most insurance policies will cover the cost of repairing your vehicle if you are involved in an accident. The insurance company will pay for your repairs, then recover these costs from the person whose fault it was.
Out of pocket expenses are not usually automatically covered though. Insurance called ‘uninsured loss recovery’ provides you with the opportunity to fight for them as well.
Alternatively, you can seek to recover these expenses as part of your personal injury claim, to save time and money.
Our team of accident claim lawyers are available throughout the week for a free phone consultation. Just fill out our website form and we will be in touch within 24 hours.
Keep receipts and bills for everything you spend associated with the aftermath of the accident.
Our team of expert personal injury solicitors can help you start your claim today.
Insurance companies will treat you as the guilty party – this is their default position whenever you are involved in an accident.
Your no-claims discount is automatically affected by this, as you are technically making a claim under the policy (whether the accident was your fault or not). It is normally reduced by around 20%, which could make a major difference to future discounts.
Similarly, your agreed excess amount will be affected by any unresolved claims. If your policy runs out before your claim is finalised, which can take several months, you will have to pay higher premiums on this basis.
Once it has been established that the accident was not your fault, you will be reimbursed for this extra payment.
However, in the meantime, you will have to pay higher payments in order to renew your policy at all. This could be harder to pay than normal, if you were injured by the accident and you are unable to work.
If you were to blame for causing the accident, your personal injury solicitor will struggle to recoup any of these expenses. If you were only partially to blame, some of these expenses would likely form part of the overall compensation claim.If you were fully innocent all of these expenses would hopefully be repaid.
Scot Accident Claims can support you in your claim and assist you in seeking the highest compensation for your injuries. Call today for a free consultation.
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