Claiming For A Car Accident
Having auto insurance is mandatory for motor owners in many countries. Auto insurance covers you in the event of an accident. If you are engaged in a car accident and suffer losses, the insurance company compensates you for the loss you suffered. But what can you claim in a car accident? There are different types of losses you can suffer if you are involved in a traffic accident. It can be personal injury or financial loss. You can make such claims to the insurance company. I will take you through some of the most common types of claims that you can claim for a car accident.
Personal Injury
When you are involved in a car accident, you can suffer personal injuries. The value of your claim should be based on the extent of your injury. When presenting a claim to the insurance company, they value the worth of your claim after getting a medical report from independent media personnel. The insurance company can therefore determine the claim for physical or psychological injuries caused. Apart from the injuries you suffer, you can also claim for damages to personal items or clothing. Such items include a child car seat, mobile phone, and other personal items that were in the car in the event of an accident. The insurance company will request proof of the damages and the receipts. Apart from personal injury, you can suffer financial loss which I will cover below.
Vehicle Damage
Another claim you can make after a car accident is compensation for the damages caused to your vehicle. If your vehicle is damaged, you can claim for repair expenses or the pre-accident vehicle. Such claims require the support of various documents from a garage or a report from an engineer.
Cost of Hire Vehicle or Loss of Use Vehicle
Another claim you can make claims for the cost of hiring another vehicle if yours is unroadworthy. You have the option of paying upfront on the cost of the hire vehicle or choosing to hire the vehicle on a credit basis. Alternatively, you can choose not to hire a vehicle and wait for the insurance company to pay for the damages on your vehicle or in some cases replace it. In this case, you should claim a daily rate for the loss of use vehicle.
Loss of Earnings
You can also claim a loss of earnings if you cannot work after being involved in a road accident. You are supposed to claim the net amount of income after tax and national insurance deductions. You are required to provide wage slips covering 13 weeks from your employer before the accident. If you are self-employed, provide tax returns and accounts. Other claims after a car accident include:
