Who to claim with?

Making a personal injury claim following a road traffic accident or car crash, you are often open to choices as to who you make your claim with. As a potential claimant you may not be aware of your choices and the potential pitfalls involved in making the wrong decision. This Manners Pimblett article looks at making an accident claim with a third party insurance company and the effects this has on compensation amounts.

Third party insurance company

Let us explain what we mean by third party insurance company. Say for example you have had a car crash involving another car or vehicle and the owner of that vehicle admits liability their insurance company may try and offer you a settlement for your injuries thus bypassing a lengthy legal process. On the face of it the prospect of making your claim directly with the third party insurance company may seem a quicker way to a settlement; however making your claim with a third party insurance company is not without pitfalls.

 

Admitting liability I was instructed to never admit liability if I was involved in a road traffic accident by my driving instructor. A quick search on the internet will also identify that insurance companies do not like any driver admitting liability. Let the legal system deal with it. If there is a way to avoid unnecessary payout then the insurance companies will do so, so leave them to it and keep quiet.

 

Why not go with the other drivers insurance?

Your accident claim is about you. In a bid to limit expense, the third party insurance company may offer you settlement before the extent of your injuries has been identified. Medical evidence will be collated by a medical expert provided by the third party insurance company and the settlement will be based on that evidence. It actually pays for the insurance firm to pay out quickly. Although payout from this route to compensation is quicker you risk not being compensated for any prolonged injuries that you have suffered.

Reduced compensation amount

Accepting settlement from the third parties insurance company can lead to a lower compensation amount. This could mean that you do not have enough money to make a complete recovery from your injuries. Physiotherapy and palliative care costs are always factored into compensation amounts that are obtained by the Manners Pimblett panel of solicitors.

What other options do I have to claim?

Our first advice will be for you to give us a call on 0845 0770772 and run the circumstances of your accident by our professional team of accident claims advisors. You could also complete one of our online claims systems and make your accident claim today. All claims made through Manners Pimblett are on maximum compensation basis. Ask our team when you make your  call about your claim.

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