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Carole Nash Motorcycle Insurance Compensation Claims Guide

Although this online guide is about making claims against insurers provided by the broker Carole Nash Motorcycle Insurance, the facts on this page could also apply to other road traffic accident claims against different insurers. Much of the information you will find in this guide applies to any personal injury claim for a motorcycle accident.

Carole Nash motorcycle insurance accident claims guideWe have tried to cover as many different circumstances as possible, but each claim has its unique aspects. This means that there could be specific questions that relate to your own claim that this guide does not address. If this turns out to be the case, we can still be of help. Simply reach out to our claims team on 0800 073 8804. One of our advisors will talk over your claim with you, provide the answers you need, and help to get your claim underway.

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A Guide To Carole Nash Motorcycle Insurance Claims

Within this guide, we are going to look at the legal process of making a compensation claim against someone who obtained a policy through Carole Nash motorcycle insurance in the UK. We look at this process from two sides. First, as a biker insured through Carole Nash, who needs to make a claim against their insurance for a motorcycle injury, or some other reason. And secondly, as a third party injured in a road traffic accident caused by a motorist who was insured through Carole Nash, and wishes to use a personal injury solicitor to pursue a claim against the firm.

We start this guide off with an introduction to making claims against someone who acquired a policy through Carole Nash. This includes a discussion of which criteria require satisfying for you to be eligible to make a compensation claim. We will look at the circumstances in to which a claim might be possible as well. We look at how Carole Nash handles claims in respect to the underwriting of the policy, and also what happens if Carole Nash disputes your claim.

We move on to look at the legal considerations of making a claim. We offer some advice on dealing with an insurance firm, and an explanation of the reasons why in many cases, a solicitor can help you to get a higher amount of compensation. You will also find details of the kind of information your solicitor will need to be able to process your claim for you.

The last part of this guide relates to the financial aspects of making a compensation claim. We will discuss how split liability claims work, and other considerations when claiming damages. We have provided a personal injury compensation calculator table that can help you to get a rough idea of the value of your claim, and also provide a list of the types of financial losses that you can recover. Finally, we explain the process of making a No Win No Fee claim, what this kind of fee agreement is, and also how it might be the best choice for you.

If you have questions about aspects of your claim, about the contents of this guide in general, or simply about the process of making a claim, please contact our claims team. One of our expert advisors will be ready and waiting to provide you with all the information you need and to help you to get your claim started.

What Is A Claim Against Carole Nash Motorcycle Insurance?

There are several insurance providers that specialise in providing motorcycle insurance. Such insurers could also provide classic bike insurance, multi-bike insurance or low mileage insurance. This means that if a biker is involved in a motorcycle accident, or needs to make a motorbike insurance claim for any reason, they would be dealing with a company that understands the specific needs of a motorcyclist. The flip side of this is that if a road user is injured in an accident caused by a motorcyclist, they will be claiming against an insurer that understands road traffic accidents involving motorcycles very well.

However, for a claim to be possible against somebody who took out a policy through Carole Nash, a claimant would need to have valid grounds to make a claim. This means fulfilling the following criteria:

  • The negligent party owed the claimant a duty of care. This is usually straightforward to establish if it involves road users, like motorcyclists.
  • The negligent party breached their duty of care, which led to an accident occurring.
  • As a result of the accident, the claimant suffered harm. 

Of course, each case has its unique circumstances, and not every claim will be able to fulfil all of the eligibility criteria. It is often the role of the solicitor to help the claimant meet these criteria by proving certain aspects of the claim. If you would like to have your own case evaluated, please speak to one of our advisors.

Circumstances Where You Could Claim Against A Motorcycle Insurance Policy

The circumstances that could lead to a claim being made against an insurer provided by Carole Nash are diverse. Furthermore, these circumstances will be different depending on whether the claimant is a client of the insurer, or a third party claiming against them. A motorcyclist making a claim might do so for reasons such as:

  • To make a motorcycle theft insurance claim if their motorcycle has been stolen.
  • A motorcycle accident insurance claim due to damage to the motorcycle that cannot be attributed to the actions of a third party.
  • To make a split liability claim for a motorbike accident (more on this later in the guide).

A third party making claiming for an accident caused by a motorcyclist who is insured by Carole Nash  might claim for:

  • The pain, suffering and psychological damage that the accident caused.
  • Any financial loss incurred due to the accident, including damage to their vehicle.

We will cover the kinds of compensation a claimant might receive in more detail in a later section of this guide. If you’d prefer one of our advisors to tell you the kind of damages you could potentially recover, please give our team a call.

Underwriters Used By Carole Nash Insurance

Carole Nash is an insurance firm providing vehicle and personal accident cover policies underwritten by Ageas. This means that it is not Carole Nash that maintains the pool of funds that claims are paid from. This is instead handled by Ageas.

However, it is Carole Nash that acts as the point of contact for personal injury claims, and the underwriter has no involvement in dealing directly with the claimant. The tie between the insurer and the underwriter is transparent to the claimant, in most cases

Do Insurance Companies Dispute Accident Claims?

If you approach Carole Nash Select Motorcycle Insurance and wish to make a claim for a motorbike injury, the claim may be rejected for various reasons. You may not be able to prove your eligibility to claim, for example.

In such cases, you could engage a solicitor to handle the claim on your behalf. They could assist you in obtaining evidence to make a formal legal claim against the insurer. If you would like us to evaluate your claim for you, and tell you whether you could be eligible to make a claim or not, then please speak to a member of our claims team.

Dealing With An Insurance Company

When dealing with Carole Nash Classic Motorcycle Insurance, or any insurance firm for that matter, you may be offered a pre-medical settlement very soon after you make the initial complaint. However, you might find that the out of court settlement is on the low side, as it does not take full account of your medical condition, the prognosis for a full recovery, nor any financial losses that may have been incurred as a result of the accident.

However, in some circumstances, you may be claiming against your own insurance for injuries you sustained in an accident that was equally attributed to both you and another party. This is called a split liability claim. In cases such as these, you will need to consider whether the compensation payment is worth taking, as it will affect any no claims bonus you have accrued. For minor claims, it may be preferable to not seek compensation.

If you would like some free legal advice about out of court settlements, split liability claims, or anything else about the claims process, please speak to one of our expert advisors.

Could Solicitors Help To Secure You A Higher Payout?

Finding a good personal injury lawyer could potentially see you receive more compensation than the initial pre-medical offer.

A solicitor can help you to prepare your claim, correlate the evidence to support it, and use that evidence to negotiate a settlement with the defendant on your behalf. We can provide you with an expert personal injury lawyer, who will help you get the compensation you are eligible for. Simply call us on the number above to find out more.

Information To Bring To Your Solicitor

Your solicitor is responsible for providing you with all of the information you need to make a claim, such as the personal injury claims time limit that will apply.

However, you will also need to provide your legal team with the information that they need to action your claim effectively. This could include:

  • The details of the cause of the accident.
  • The details of the person who caused the accident, and their insurance policy, if possible.
  • Proof of any costs incurred that you wish to claim for.
  • Any photographic evidence that you have.
  • The contact details of any witnesses who might be able to provide testimony in support of your claim.

There could be other types of information that your lawyer will ask for, depending on the circumstances of your claim. Give our claims team a call to find out what kinds of information we would need from you to begin a claim.

Claiming Damages For Your Injuries

In general, you will not be able to claim compensation for your injuries if you caused the accident yourself. If you had a motorbike crash and Carole Nash was your insurer, they will not cover damages for physical harm if you are the party responsible for the accident.

There is an exception to this, though, which arises in split liability claims. In this case, no party can be deemed to have been primarily responsible for the accident. Each claimant will claim damages for their injuries from their own insurer.

If, however, you were harmed in an accident that wasn’t your fault and the negligent driver is insured by Carole Nash, you could be able to claim compensation for your injuries and losses.

Call our claims team for additional help as to whether you can claim or not.

Motorcycle Accident & Injury Claims Calculator

You may, in the past, have used a personal injury claims calculator to get a rough valuation of your claim. We find they can be tricky to use, so instead, we’ve provided a table which you can use to look up your injury. The potential compensation figures you can see below have been taken from the Judicial College Guidelines, a legal publication used by solicitors and the courts to value claims.

Edit
Type of Injury? How Badly Injured? Possible Payment Further Information
Injured brain/head Moderate £40,410 to £205,580 In this bracket, could be any head injury that results in moderate brain damage, with a negative effect on the cognitive abilities of the victim. There may also be a change of the victim’s personality, and impairment to speech, as well as problems with sight, hearing, etc.
Injured leg Moderate £26,050 to £36,790 In this bracket, could be injuries to only one leg, in most cases. These injuries would include crushing damage, all types of fractures, soft-tissue damage and injuries to the flesh of the leg. There may be some residual disability affecting employability, or some change in the gait of the victim. There would be a risk of developing a condition such as osteoporosis or arthritis at a later stage, and also the possibility of the condition of the leg degenerating in the future.
Injured foot Moderate £12,900 to £23,460 In this bracket, could be medical conditions such as a displaced metatarsal fracture, as an example. When healed this injury could leave the victim with a misshaped foot and unable to wear standard footwear. There would be a risk of developing a condition such as osteoporosis or arthritis at a later stage.
Injured neck Moderate £23,460 to £36,120 In this bracket, we could include any injuries that would result in some form of long-term but a minor disability. As examples, a crush injury or fracture of vertebrae. There would be a risk of developing a further medical condition such as osteoporosis or arthritis at a later stage.
Injured back Moderate £26,050 to £36,390 In this bracket, we could include any injuries that would result in some form of long-term but a minor disability. As examples of this, a crush injury or fracture of vertebrae. There would be a risk of developing a condition such as osteoporosis or arthritis at a later stage.
Injured arm Minor Up to £2,300 In this bracket could be medical conditions such as tennis elbow as an example. Any injuries that could include less-serious fractures and soft tissue damage, as well as lacerations and crush type injuries. There would be no permanent disability once the injury has healed. Full recovery within 3 months
Injured hand Minor Hand, Finger and Thumb Injuries Up to £4,461 This will include fractures which generally have recovered in six months. Also injuries such as scarring, tenderness, and reaction to the cold where there is full recovery.

It’s important to note that these figures are estimates only. The value of each case is dependent upon its unique circumstances. However, we can arrange for a solicitor to provide you with a more specific valuation if you give our team a call.

Special Damages Victims Of Motorcycle Accidents Could Claim

If you make a successful claim, you will receive a settlement package that may consist of two heads of claim: general damages and special damages.

General damages are designed to compensate you for physical and psychological injuries. The level of damages is driven by considerations such as how much suffering the claimant went through, whether they were subjected to traumatic treatment or any permanent impairment. This could include:

  • General pain and suffering at the time of the accident.
  • Shock and trauma caused by the traumatic experience.
  • Psychological injuries such as anxiety or post-traumatic stress disorder.
  • Undergoing traumatic, painful or invasive medical treatment.
  • For long-term or permanent disabilities.

The purpose of special damages is to compensate you for non-physical losses or expenses incurred as a direct result of the injury. If you wish to claim for costs incurred, you will need to provide evidence, such as in the form of receipts, bills or statements. Special damages could include:

  • Long-term loss of work or earning prospects.
  • Loss of earnings due to taking time off work.
  • The cost of any private medical care you needed.
  • Care costs if you had to hire a nurse or home help.
  • Out of pocket expenses such as travel tickets.

One of our expert claim advisors will be able to give you an idea of the kinds of damages you could claim for if you give our team a call.

No Win No Fee Motorcycle Injury Claims

You may like to consider using a No Win No Fee solicitor to help you make your claim. The formal name for this contractual agreement between a claimant and a solicitor is a Conditional Fee Agreement (CFA). A CFA provides you with a way to mitigate financial risks, as well as get the legal expertise you need to make a claim.

Under a CFA, you don’t pay any upfront fees, or any fee at all while the claim is processed. If your claim fails, you still don’t pay the lawyer’s fees. You may only be asked to pay a small success fee if the claim is a success. This forms a legally-capped percentage of your compensation and would be used to help cover some of your solicitor’s costs. The precise level of the success fee will be set out in the CFA.

Contact Our Team

If you need to make a compensation claim against an insurer provided by Carole Nash, we can help. If you need some specific questions answered before proceeding with a claim, please speak to our claims team on 0800 073 8804. One of our claim advisors will provide all the help you need to get your claim started.

Essential References

These other pages could have more, useful information for you:

Facts About Motorcycle Casualties

UK Road Accident Statistics

British Motorcycle Foundation Information About Safety

You can also learn more about motorcycle accident claims below:

 

Written by Wheeler

Edited by Billing

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