Compensation claim

Compensation claim following a car accident
Compensation claim assistance is vital for anyone who is injured in a non-fault accident. All duck2water Insurance policies include legal expenses insurance to help you in the event of a non-fault accident. It helps you to make a claim for personal injury compensation or pursue a claim for your uninsured losses and out of pocket expenses against the person responsible for causing the accident.

If you are involved in a road traffic accident and need to make a compensation claim, this is what you can expect from your legal expenses insurance:

On receiving your instructions, our solicitors will begin to set out your case for your compensation claim against the other person, based upon the information you provide us. A ‘Letter of Claim’ will be sent to the other person’s car insurance company, giving notice that you intend to pursue a claim against them for injury and/or uninsured losses caused in a car accident due to their client’s negligence.

Our solicitors will start compiling the information needed to put your personal claim together. This may include getting witness statements, police reports, vehicle engineer’s reports and other information relevant to the car accident, which will later be used as evidence to support your compensation claim.

You will be sent a Claim Questionnaire to complete, covering every aspect of your compensation claim, to ensure you are compensated fully for everything you are entitled to.

If you have been injured in the accident, our solicitor will arrange for you to see an independent medical expert. They will prepare a report regarding the extent of your injuries and your recovery and any on-going or long-term symptoms. The purpose of this report is to provide independent evidence to support your compensation claim and help our solicitors put a realistic figure on the amount of compensation to be claimed.

Once all the information required to support your compensation claim has been gathered a ‘Schedule of Losses’ will be put together which details all the financial losses (heads of claim) that you are making a claim for.

These may include:

• Pain, suffering and loss of amenity
  
  
• Loss of earning/overtime
  
  
• Care damage to personal effects
  
  
• Cost of medication/prescriptions
  
  
• Miscellaneous expenses

This will be sent to the other person’s car insurance company, with a request for the compensation claim to be settled.

In cases where responsibility (liability) for the car accident is in dispute (both sides are holding the other party to blame), or where agreement cannot be reached as to the amount the compensation claim is to be settled at, it may be necessary to issue Court proceedings. Whilst the majority of car accident compensation claims are settled without the need to go to Court, if agreement can’t be reached it may be necessary to pursue your claim to trial.

If you have been involved in a car accident call our claims team on 0800 954 97 57 where an accident manager will record details of the incident and will start work on your compensation claim immediately.

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