I Was Injured In A Car Accident. What Are My Rights?
According to statistics on car accidents in the UK, in 2016 alone there were 186,209 casualties on the UK’s roads. In 2015 there were an estimated 140,086 personal injuries which were reported to the police. Research carried out by the Institute of advanced motorists (IAM) collected data from the police that consisted of 700,000 road accidents cases reported between 2005 and 2009. The research breaks down the main causes of road accidents in the UK. It suggested that 6 people are killed every single day alone in car accidents due to speeding, while 68 others are seriously injured and 535 sustain minor injuries.
Driver error is currently the main cause of road accidents in the UK. Of the factors known to cause fatal road accidents as listed by the police, driver error leads by 65 percent. Driver error includes a loss of focus and control, poor turns, failure to judge the other driver’s pace, injudicious action, exceeding the speed limit, inexperience, carelessness, impaired vision or distraction and aggressive driving.
Although errors made by drivers are the main cause of car accidents, there are a number of other frequent causes. These include: vehicle defects and the age of the driver (older drivers have a tendency to not focus on the road properly, whilst younger drivers often break speed limits).
You can read more about government road accident statistics here.
Whatever the cause of the accident, it’s important to know where you stand and your rights if you’ve been in a car accident. Legal Expert can steer you in the right direction in regards to your compensation claim and help you win the compensation you deserve.
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- How to Preserve Your Rights after A Car Accident
- Passenger In A Car Accident Rights
- What To Do After A Car Accident
- Getting Medical Attention
- Understand Your Insurance Coverage
- Get An Estimate For Any Repairs Which Must Take Place
- How Much Could I claim
- No Win No Fee Car Accident Fees
- Talk To Legal Expert Today
- Useful Links
If you suffer a car accident that is not your fault, you are entitled to make a claim for compensation. The courts or the concerned parties insurance firm can grant the compensation you’re entitled to. If this case applies to you, it is crucial to keep clear and concise records of the accident and claims process, and a willingness to persevere with the case. Be understanding and professional when dealing with your assessors and solicitors and keep in contact with your solicitors for regular updates on your case. Occasionally, assessors may deliberately slow down your case; if this happens, you should seek help from your solicitor.
After a car accident, it is important to make a compensation claim in order to preserve your car accident rights in the UK. You have the right to be compensated for all the medical expenses, travel costs, repair costs for your car, lost income, loss of potential earnings and other related expenses incurred as a direct result of the car accident. The amount of compensation awarded will depend on the severity of your injuries.
In order for you to be eligible to make a compensation claim, you must not be at fault. If you were at fault, you may not be able to make a compensation claim even if you sustained injuries. You will need to inform your insurance company about the car accident as soon as you can, so as not to invalidate your cover. This is because insurance companies have a certain time period in which their policyholders are eligible to make a claim. This period can range anywhere from two days to two weeks.
The government have provided some useful information on their website about claiming compensation after an accident.
There is also hope for passengers who have been involved in a car accident and suffered injuries that ultimately resulted in serious physical implications, financial losses and expenses. This hope is provided by car accident rights in the UK. Passengers are entitled to claim compensation from the driver found to be at fault. If the driver is uninsured, you could run your claim against the Motor Insurers Bureau as they have a special compensation scheme which is supported by insurance companies across the UK. The passenger making the claim is encouraged to find a solicitor who specialises in car accidents. In an accident where two cars are involved, the passenger is entitled to compensation, as long as the amount they’re claiming for does not exceed the total claim amount. The passenger may claim from the driver whose car they were in or the other driver.
The driver whom the passenger claims from will vary from case to case and a number of factors can alter each claim: insurance, where the fault lies, and so forth. In cases where only one driver is at fault, the passenger should file the claim against the driver at fault only. However, when no driver is at fault, one can file to be compensated for expenses incurred on medication and any lost income. Where more than one passenger is involved, the claim by each passenger becomes tricky. This may lead passengers to not get the full claim award due to the insurance coverage of the driver not being enough. There are some instances where the claimant and the driver or the vehicle owner may decide to agree to an out of court settlement.
Many car accident cases are either lost or thrown out of court for not following the correct processes after the accident occurred. It is wise for the claimant to be conversant with what it entails to file or to have a successful claim, in order to avoid the car accident case being disregarded. Below is a breakdown of what happens so that you may have a strong case in the litigation.
After you have a car accident, there are ways to help you preserve your car accident rights in the UK and make a successful car accident compensation claim. After a car accident, you must stop and remain on the scene if you have not suffered a serious injury that requires immediate medical attention. This is because failure to stop may result in a serious criminal offence, for example, courts may rule your failure to stop as a hit and run. To avoid this and to keep other road users safe, drivers must switch off their car engine and put on their hazard lights.
If an injury has occurred, alert the police or an ambulance immediately. The involvement of the police is very vital if the car is blocking the road or if you suspect foul play. A police report will significantly improve your chances of success and chances of using your passenger in a car accident rights (if you had a passenger) during your compensation claim. Do not take the blame for the accident. This is because the blame may later be used to your disadvantage. Write details of the other driver, insurance policy number, details of anyone else involved and witness statements if anyone saw what happened. You should also take pictures and videos of the scene to use as evidence. Please remember to be cooperative and give your details such as name, locality and contact address to those involved.
Remember, stopping is not limited to hitting other cars but also anything on the road. Where police are not available please make sure your contact details are left at the scene of the accident. Make sure the police are aware of the car accident within one day of it happening, this will enable you to have a strong legal backing when the case goes to court. It will also reduce the risk of you receiving a police fine or other charge. If someone involved in the accident leaves the accident scene without their contact details, call the police immediately and give their car registration number or other details. Make sure to take note of the model, colour and the makes of the cars involved in the accident. Describe the form of damages and injuries in the accident. Note down the date and the time the car accident occurred. Write down the condition of the road and the weather at the time of the accident. Was it a foggy or a rainy day? Were the road slippery and were they well lit? Were there any road signs and/ or traffic lights? You can also draw the distance and the position of the vehicles at the scene of the accident. Always gather as much information as possible (if you are well enough to do so after the accident) to support your claim. If the accident was severe, you can organise a breakdown to tow your car away from the scene.
Here is what the government advise you do after an accident with regards to your car insurance.
After a car accident, minor injuries can often go unnoticed. Even where there are no visible/traceable injuries, you will need a medical check-up. Therefore, it is vital to seek medical attention as soon as possible, even if you think you are feeling fine. Not only will this ensure your good health, it will also serve as part of the basis of your claim. Delaying getting any necessary medical care may deal your compensation claim a big blow. This is due to counter arguments claiming that your injuries were caused by something else, rather than the car accident. Below are some of the procedures to follow.
Some car accident injuries don’t immediately happen, and you could find yourself with injuries developing days after the accident. This is especially the case with soft tissue damage. It is extremely important to seek medical advice, even if you think you have not suffered any serious injuries, make sure you visit your doctor to ensure there are no serious underlying issues. Take note of all medical treatment expenses including travel costs to your appointments and prescription costs. Remember to keep those records safe as they will be the basis for your compensation claim. Keep contacts of all medical practitioners visited during your treatment and be elaborative on every detail, including the limitations the pain has caused you, the extent of the injury and all inconveniences arising from the injury. Take note of all communications with your doctors throughout the treatment.
Before you file a claim for compensation after a car accident, you ought to understand the type of insurance cover you have. There are different types of insurance covers that are aimed at different parties and situations, and knowing which you have is crucial to avoid wasting your time. The main type of insurance policy covers protection to personal injury. Car damage insurance policies, on the other hand, cover third party (liability) cover and general liability (uninsured) cover.
After a car accident, you should claim compensation from your insurer if you have a comprehensive policy. You could also claim uninsured losses from the other driver’s insurer to cover injuries, losses, transport expenses and loss of earning not covered by your policy. Inform your insurance agent about all that happened during the accident and policy number of the driver and any witnesses that were present when the accident happened.
If you were involved in a car accident, which was someone else’s fault, you could solicit the services of a credit hire company who will be responsible for hiring a temporary vehicle while yours is undergoing repairs. If in the event where the other driver has no insurance policy, can not be identified or has abused their policy, you may claim from the Motor Insurers Bureau (MIB). If your car can be repaired, do not do so without informing your insurer about it first.
Your car may be written off if it is too expensive to repair. In this case, your insurer will offer you the market value of your car at the time of the accident. When using third party insurance, you could claim compensation from the other driver and the insurer will determine the driver at fault. Send a written statement to the driver informing them that you wish to claim compensation and let your insurer know about it.
Liability cover will cater for third party persons who may have been involved in the accident whilst in your car at the time of the car accident. The cover also takes care of litigations when injured parties take you to court. In the event you were the one at fault during the accident, the policy will also cover. This type of policy does not cover you or the driver mentioned on the cover. The cover does not also take care of property damage.
In order to have a comprehensive car repair estimate, you must understand the policy cover. You should also know whether it was their fault or not. You can decide to take your repair estimates to the insurance firm of the driver at fault or to your insurance. If you are to blame for the car accident, you will receive a partial compensation for the loss.
Estimates for collision repairs differ significantly depending on the type of the accident. Make sure the estimates you get are from your insurance adjuster or a well-established collision repairs shop. Get at least three written estimates so you can do a line by line comparison of the estimates. The estimates should contain a detailed breakdown of repairs that your car needed as well as costs for parts and labour. You can either pay for your car repairs and seek compensation from the insurance company or have the insurance company pay.
For a stolen/written off car, you are required to counter check the value of your car online in order to have information about your real car value. The value should be inclusive of all main features and accessories of your car. You should include the following in your estimate: the condition, form and the distance the car had covered. Always remember insurance firms will try to give you the lowest quote as the value of your car. You must be a good negotiator to get the real worth of your car.
Lives of innocent people are disrupted due to others fault. This has forced many people to shy from using roads. Even though there is nothing that can replace a life, people are entitled to compensation to keep them moving. The amount received in these cases depends on several factors. Every case is awarded on its own merits and differently from each other. There are several types of damages, which are claimable. The damages include; medical related issues, transport issues, rehab issues, wages/salary issues, vehicle claims and injury issues. In order to get compensation, assessment by qualified personnel will be required. The court will use that basis in awarding the compensation. The length of the ailment will determine the amount in consideration.
If the injuries sustained in a car accident was someone else’s fault, you are still entitled to the compensation award. The compensation covers injury sustained, pain and suffering you have had to endure and the expenses incurred as a direct result of the car accident. Below is a table of injuries that may be sustained and estimated amounts awarded as compensation.
|Type Of Injury||Severity||Potential Compensation Amount||Description Of Injury|
|Foot Injury||Mild||Up to £10,450||Minor, temporary damage such as fracture, or mild permanent injury such as a limp.|
|Foot Injury||Moderate||£10,450 - £19,000||Includes more serious fractures and the probable need for future surgery,|
|Foot Injury||Serious||£19,000 - £29,800||Long-term pain is involved and victim will be likely to develop arthritis and future complications.|
|Foot Injury||Severe||£31,900 - £53,200||There will be damage to both feet, long-term considerable pain, and limited mobility.|
|Knee Injury||Moderate||£11,275 - £19,000||Pain is likely and the injury will probably be a dislocation or torn cartilage. There may be mild future complications.|
|Knee Injury||Severe||£19,900 - £73,125||Loss of function is likely, along with long-term damage and considerable pain. Probable loss of function.|
|Leg Injury||Moderate||£21,100 - £29,800||Victim's life will be significantly impaired due to their injury. Victim will have limited leg function.|
|Leg Injury||Severe||£73,150 - £103,250||Complicated procedures such as degloving and bone grafting of the leg will be necessary.
|Hand Injury||Mild||£700 - £3,300||Possible temporary loss of function and mild short term damage, usually for less than three months.|
|Hand Injury||Moderate||£4,100 - £10,000||Function will be reduced for longer.|
|Hand Injury||Severe||£2, 050 - £47,050||Function will be reduced to 50%. This injury includes amputation and clawed hands.|
|Head Injury||Minor||£1,675 - £9,700||Head trauma will be mild and short-term. There will be no brain damage.|
|Head Injury||Moderate||£32 725 - £166 500||Memory, senses or speech will be impaired and there will be some brain damage.|
For a more detailed guide to the amount of compensation you could claim, please call Legal Expert to discuss the details of your case. We offer a free, no-obligation initial consultation for all of our clients.
Before the introduction of no win, no fee compensation claims in the United Kingdom in 1995, many people could not afford litigation fees for car accident claims. This meant that if an individual lost a claim, they were obligated to pay for all the costs of the case. Come April 2015, the law changed to take care of the anomaly, meaning drivers who would have previously hesitated about taking their case to court could now do so without stress.
We take up all personal injury compensation cases for a no fee no win basis regardless of the financial circumstances of the victims. Our ‘no win no fee’ agreement guarantees that we will work for you and with you, with the assurance that we will not charge you if you do not win your case. Hence, there is no need to worry if you have no money to pay upfront legal fees. This does not necessarily mean that when you win the case, you will not pay. Once you have received your compensation, you will pay the amount agreed. There are no extra hidden charges in the agreement. For easy accessibility, you can reach our Legal Expert solicitors online through our contact form, or give us a call.
Getting the right legal advice today is a tough task for many people. The terminologies used in the court of law will require somebody with good legal backing. Many people have lost good claim cases for the lack of the right legal experts. The right legal experts will not consider what they get from the claim case, but the exposure and marketability of their services.
To make a personal injury compensation claim for your pain and suffering because of car accident injuries, talk to Legal Expert today. We are here for you and our personal injury team is dedicated to making sure you receive the compensation you deserve. We will fight for your car accident right and your passenger in a car accident rights. Our solicitors will not only maximise the value of your award but will also work without any upfront fees.
With us, you have the assurance that you will not lose any of your money through large upfront legal fees and our solicitors have both the experience and expertise needed to help you successfully win your claim. Call us today on 0800 073 8804 or send us a free online inquiry.
Do you need further details about our no win, no fee policy? See our no win, no fee page.
If you are injured after a car accident contact us today and we can give you free advice and also calculate how much compensation you could claim.
Read more about the process of claiming compensation after suffering a personal injury.
Read more about claiming compensation after a road traffic accident.