Recovering Your Uninsured Losses in a Car Insurance Claim

The car insurance claim process is a daunting and stressful procedure, especially in cases when you have uninsured losses that are not covered by your policy.  However, getting help from an accident claim solicitor can make this process quick and stress-free. Here are a few tips on recovering uninsured losses in a car insurance claim.

  1. Don’t admit your mistake

Do not agree to your mistake or say “sorry” for the accident. Apologizing for your mistake is basically admitting your fault. Most of the time, the insurance companies or the policy may determine the liability for the accident.

  1. Report to the police

If any individual sustains injuries in an accident, provide immediate medical help. Call the ambulance or get help from someone else. In such a scenario, you’re legally bound to give your insurance details and the details of an eyewitness. Also, inform the police about the road accident. When the police arrive, keep your documents ready to show them. If you don’t have these documents, you can present them at the nearest police station within seven days.

  1. Get details

Get details of the other drivers and from eyewitnesses who were present at the accident scene. If the other driver does not agree to give details, note down the details of the vehicle so that the insurer can trace the vehicle’s number plate.

  1. Take pictures of the accident scene

Don’t forget to take pictures of the accident scene and the vehicles involved in the accident. Try to take photos from various angles to prove that the other party was at fault.

  1. Talk to your insurer

Speak to your insurer and tell them about the accident if you want to make a claim. Inform them about the accident and evidence you’ve gathered, such as eyewitness statements, details of the driver, and photos of the accident scene.

Even if you’re not planning to make a claim, you must inform your insurer about the accident to maximize your chances of securing compensation after the accident. Unreported accidents may mean that you may fail to get compensation in the future. Share the details of the accident within a reasonable time. It’s better to do it sooner as the accident details are fresh in your mind.

Although your insurance company will take care of the car repairs and other expenses, there are various other losses that you have to face after being involved in an accident. Usually, the legal expenses policies could cover up to £1,00,000 of the legal costs related to uninsured loss recovery. Recovering these legal costs involves seeking help from an accident claim solicitor to recover the uninsured losses you’ve suffered from the other party’s insurer. Your insured losses may include anything ranging from policy excess to damages to your personal possessions. You can recover your insured losses only if you prove that the other party was at fault. Moreover, these claims are based on “reasonable prospects of success.” Following expert legal advice, the insurer will take forward only cases having more chances to succeed. It means that you will get 100% compensation for your uninsured losses.

Recovery of uninsured losses can be daunting when uninsured drivers are involved. It’s because usually, your losses are recovered from uninsured drivers, and if that doesn’t happen, your case will be handled by the Motor insurance bureau. In such circumstances, you must always try to keep these losses to a minimum as you will only recover what you have reasonably suffered.

If you’re looking forward to making a car accident claim, it’s good to get help from an expert advisor who could take your case and provide you with the best advice. Call Nessie has a team of the most dedicated and trusted car accident solicitors in the UK  who can provide you with the best advice to recover your uninsured losses. You can contact them for support and advice for your uninsured loss recovery.

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