To ensure that you do not lose out financially following a motor accident that was not your fault, you would have to assess your claim and prove that the other person was negligent.
These negotiations are often difficult and could be very time consuming where legal action is necessary.
How you might lose out financially:
Neither Third Party nor Comprehensive Insurance offers protection against all possible losses and even after a minor accident you could incur costs. For example, you may have to pay an excess on your policy, incur hire charges whilst your vehicle is being repaired, pay for your vehicle to be towed to a garage, or suffer loss of earnings due to injury even if the accident was not your fault.
These losses can be recovered from the person at fault, through negotiation or litigation, but why should you have to pay a solicitor to recover your losses.
What does Legal Protection cover?
Typically, your policy would probably cover you for
- Policy excess
- Loss of earnings
- Car hire charges
- Your vehicle repair costs (if third party)
- Personal injury damages
- Medical fees
- Loss of use
- Damage to personal effects
- Vehicle recovery
- Storage charges
- Out of pocket expenses
You may also be able to get cover for a replacement hire car should your car be immobilised due to an accident that is not your fault.