Accident - insurance company -legal cover

boogiesherbs

Hi we were hit by another car yesterday when driving yesterday, the 3rd party came over to our lane when he tried to retrieve something from the footwell,

Our car was removed at the scene by the police and early indications are a total loss on the vehicle.

We don't have free legal cover with the car insurance but do have accident cover on home insurance.

I'm confused what Is pursued through insurance and what through legal action?

My partner and I have shoulder and back injuries and currently have no car!

Many thanks for any help or advice

boogiesherbs

Also the 3rd party admitted full liability to ourselves and the attending police officers on record

boogiesherbs

Also unsure what to do about my daughters car seats in the car as feel really the insurance should cover them?

csgohan4

your house insurance will usually have a disclaimer and not cover car related issues


You may have to pursue one of those no win no fee solicitors if you want to pursue a claim, but beware they can take about 25% of your claim. Also it is not guaranteed and may affect your premiums if a claim is still open.


Insurers are clamping down on whiplash injuries, ensure you have an audit trail of this such as GP and this genuinely causes you to be off work for example. They do and will covertly film you if they suspect something is a miss.


In terms of whether the insurers will cover car seats, it should be part of the settlement and read the T+Cs of specifically what is covered.


Motor legal can be free for some insurers and doesn't cost much if you pay for it.

boogiesherbs

Hi thanks for the reply and help,

Our legal service from our home insurance said they will only deal with personal injury,

I feel we need someone to work on the whole of the claim so I'm guessing our only option for that is the no win no fee solicitors?

dacouch

Are you a member of a union or the RAC etc etc

boogiesherbs

Hi thanks again for the reply yes I'm in Unite union and the RAC

McKneff

If the other party have admitted blame, then deal direcitly with the other parties insurance company.

Inform your own insurance that there has been an incident, that is all you need to do.

Deal with everything else directly with the other company.

You only need legal help for any personal injury you have suffered.

boogiesherbs

Thanks for you reply, ah have we made a mistake accepting the hire car (not courtesy) car from our insurance? The terms of it are that they will cover costs from other party if liability accepted