After being involved in a minor accident last year (I was not at fault, dash camera proves it...I was stationary) some injury was sustained and still remains and vehicle is written off.
I believe there are 4 elements of claim here
1. personal injury
2. out of pocket expenses
3. incidental expenses such as my time
4. additional payment for the vehicle as it will cost more to repair (inc hire car etc..) than market value
I believe I should be in a position I was in before the incident.
I intend to claim from 3rdpty (3rd party insurance), save my excess.
I have legal cover with my insurance, I want advice on how much I can claim and they won't advise unless I sign the medical experts' form (which gives them authority and I can't until I know what I can claim for). I now believe they will only deal with elements 1 & 2 with authorisation.
However, they have said I can try to come with some agreement with 3rdpty over elements 3 & 4
3rdprty won't deal directly with me over the injury (and likely 2) as I need to be represented...it's in their (not my) policy. But have indicated they will discuss elements 3 & 4.
The medical expert indicated £2.5k but symptoms have persisted plus there are other matters that have emerged since that need adding.
So in summary, have I got it right that 1 & 2 need representation?
Can I insist on advice without giving them authorisation?
3 & 4 I need to claim against 3rdpty?
Or I can make a civil tort/claim against the driver?
Any advice most welcome, it is a minefield when you start looking into and thinking about.
Incidentally, I did approach another claim firm who claimed they would give free advice but wouldn't without authorisation!
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I believe there are 4 elements of claim here
1. personal injury
2. out of pocket expenses
3. incidental expenses such as my time
4. additional payment for the vehicle as it will cost more to repair (inc hire car etc..) than market value
I believe I should be in a position I was in before the incident.
I intend to claim from 3rdpty (3rd party insurance), save my excess.
I have legal cover with my insurance, I want advice on how much I can claim and they won't advise unless I sign the medical experts' form (which gives them authority and I can't until I know what I can claim for). I now believe they will only deal with elements 1 & 2 with authorisation.
However, they have said I can try to come with some agreement with 3rdpty over elements 3 & 4
3rdprty won't deal directly with me over the injury (and likely 2) as I need to be represented...it's in their (not my) policy. But have indicated they will discuss elements 3 & 4.
The medical expert indicated £2.5k but symptoms have persisted plus there are other matters that have emerged since that need adding.
So in summary, have I got it right that 1 & 2 need representation?
Can I insist on advice without giving them authorisation?
3 & 4 I need to claim against 3rdpty?
Or I can make a civil tort/claim against the driver?
Any advice most welcome, it is a minefield when you start looking into and thinking about.
Incidentally, I did approach another claim firm who claimed they would give free advice but wouldn't without authorisation!
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