Most of the time, when you make a car accident compensation claim UK, your claim will covered by the other party’s insurance company. This is assuming that the other party had a valid motor insurance policy at the time of the accident and that they have been traced, or in other words, that the other party did not do a ‘hit and run’ or provide false details.
If it is the case that you have been the victim of an uninsured driver or a hit and run, the good news is you can still make a claim for compensation. Under the circumstances, your claim will be covered by the Motor Insurers’ Bureau who are a Government body.
Either way, the eligibility requirements for making an accident claim remain the same.
Eligibility requirements for making a car accident compensation claim UK
You must make your claim within three years of the accident happening – or within three years from the date your injuries became clear. This is known as your Date of Knowledge or your Date of Limitation. In addition, you cannot be completely at fault for the accident in which you sustained your injuries. If you are wholly liable for the accident in which you were injured, you have no grounds for a claim. You can however be partly responsible.
What if I was a minor at the time of the accident?
If you were a minor at the time of your accident (under 18 years’ old), then you have the right to make an accident claim within three years from the date of your 18th birthday.
What if I was a passenger at the time of the accident?
You can still make a claim. Under the circumstances, your claim will be processed in the same way that a driver’s would – your car accident compensation claim UK will be covered by the other party’s insurance company or the Motor Insurers’ Bureau.
How much compensation could I be awarded?
The amount of compensation you are awarded will be fair and proportionate to the extent of your injuries and your level of pain and suffering. The worse your injuries are and the bigger the impact they have had and will have on you, the more you can claim. These facts will be ascertained through a medical examination which you will attend as part of the claims process. The examination usually lasts around twenty minutes.
Find out more about making a claim today
If you are thinking about making a car accident compensation claim UK, get informed on your rights by calling our free and no obligation accident claims helpline on 0800 157 1438.