Car Insurance Claims - What It Could Cost You

Article Source - Car Insurance Centre - Auto Trader

How much will it cost?

The main concern for many people considering an insurance claim following an accident is the cost. The cost will depend on how you decide to pursue the case with the main options listed below. A firm of solicitors are likely to be instructed at some stage, whether directly, or via your insurance company or a claims management company. Only a solicitor can represent you if your case goes to court.

* Solicitors Costs
* Claims Management Company
* Legal Expense Insurance
* Acting For Yourself

1. Solicitors Costs

Many solicitors now agree to pursue cases on a ‘no win no fee’ basis. Under the agreement the solicitor will agree not to charge you if the case is unsuccessful. If the case is successful, the bill will be passed onto your opponent’s insurer. Your opponent will only have to pay your 'reasonable costs', and it is worth asking your solicitor to guarantee any costs not paid by your opponent will not be deducted from your compensation.

2. Claims Management Company

If you don't wish to approach a solicitor directly, you can contact a claims management company. They will approach a firm of solicitors on your behalf ensuring they have the proper experience to deal with the claim.

3. Legal Expense Insurance

Many household and motor insurance polices now include 'legal expenses insurance' as an option. It should be clear from your policy documentation whether or not the cover is available, or you could telephone the insurance company or your broker directly.

4. Acting for yourself

If you're injured in the accident, or wish to claim for expenses in excess of ?5,000, it is not recommended that you act for yourself. However, if there is no injury, and your expenses are relatively low, you may bring a claim in your local County Court under the 'small claims procedure'.


by Qamar Rehman


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