Road Traffic Accident Advice

Below are answers to frequently asked questions regarding road traffic accidents:

Who pays for the services you provide?

You are legally entitled to the service we provide. The cost of replacement vehicles and any repairs to your car are recovered from the insurance company of the driver who caused the accident.

What if the driver of the vehicle who caused the accident is not insured?

A claim will be processed on your behalf and submitted to the Motor Insurance Bureau (MIB) which provides compensation from a central fund in such circumstances.

What will happen if my car is a write off?

We will arrange for a replacement vehicle to be provided to you and we aim to keep you in the replacement vehicle until you receive and bank a cheque from the third party’s insurance company.

The statement above has two conditions:

  • You do not have access to a replacement vehicle yourself.
  • You are in a position to replace your vehicle from funds available to you.
How will I have to prove the accident wasn't my fault?

When you call, Client Advisers will discuss the circumstances of your accident with you and at that time they will assess whether there is an identifiable negligent third party and if so will accept your claim.

Will I need to pay a deposit for the replacement vehicle?

No, you will pay no deposit. We take your credit/ debit card details as a security check and these details can only be used with your authorisation for any additional charges incurred such as, parking tickets or congestion charges whilst using the replacement vehicle.

Can you help me even if the accident was my fault?

We cannot be of assistance to you if the accident was your fault.

Can you arrange for the repairs to be carried out to my vehicle?

We can arrange for the repairs to be undertaken by a body shop who is a member of the panel we engage. Please remember you do not have to make a claim through your own insurance which may result in the loss of your no claims bonus, the possible payment of your excess and your Motor Insurance Bureau (MIB) accident status being tarnished. The costs associated with the inspection and the repairs of your vehicle will be recovered from the insurer of driver who is at fault, or the Motor Insurance Bureau (MIB) where the driver is uninsured.

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