Car Crash in Works Van & Personal Injury Claim

Happy_bunny

Hi all, quick synopsis :

Driving work van, large Transit - Came to a stop going downhill and someone has gone straight into the back of me!

Driver gets out, apologises, admits not paying attention and so on.

Obviously the van is insured, fully comprehensive and obtained through lease by my employer, a local charity.

The facilities manager is dealing with the insurance - I've been asked for descriptions and diagrams of the accident and have only the claim number as a reference should the insurers phone me.

I'd like to put in a claim for the injuries suffered as a result, can I do this myself or would I need to add it to the claim my employer is currently chasing?

Anyone able to point me in the right direction?!:o

Quentin

It's a separate claim.

Don't attempt it yourself

See if your employer will provide a solicitor to act for you (they may have legal cover anyway either with the company motor insurance or separately)

Happy_bunny

Quentin wrote: »

It's a separate claim.

Don't attempt it yourself..

What I meant by myself was going to a claim management type company to fight the claim for me.


Would it be possible to claim through our insurers? To make the claim from me from the other party?

Does that make sense?

Quentin

If you use a claim handler they will take up to 25% of your compensation


If your employer provides legal assistance that will hopefully be without cost to you


Which of your insurances are you considering using?? (Are you in a union - they may provide legal representation as part of your membership)

Happy_bunny

Quentin wrote: »

If you use a claim handler they will take up to 25% of your compensation


If your employer provides legal assistance that will hopefully be without cost to you


Which of your insurances are you considering using??

I've clearly been a bit naïve due to having no experience! I actually believed the quote 'NO win, No Fee was true!' :rotfl:

Work, a charity, haven't mentioned having legal assistance and as the vehicles are leased this seems unlikely?!

I thought this would be covered in some way BY both myself and the other driver having insurance - Kind of fighting the case between themselves if you like!

Zorillo

No win, no fee is true. It's just if you win, there's a large fee.

Talk to your facilities manager, see if there is any assistance on hand from your employer or their insurer.

Saver-upper

Happy_bunny wrote: »

I've clearly been a bit naïve due to having no experience! I actually believed the quote 'NO win, No Fee was true!' :rotfl:

I don't know exactly how No Win,No Fee works,but I believe what it means is that if you don't win the case,you don't pay (NW,NF),but if you do win a payout,the company takes a share of that-this is how they make profit.I think.

Quentin

Happy_bunny wrote: »

I thought this would be covered in some way BY both myself and the other driver having insurance - Kind of fighting the case between themselves if you like!

Were you driving under your own insurance?


If so and you have the legal cover extra with your insurance then you can use that to pursue a compensation claim


But your own insurance will not be interested in fighting a compensation claim - that isn't covered by your motor insurance


If your employer won't help with legal representation, and you have no other legal cover/union cover etc then a no win no fee firm will be your best option

bigisi

Happy_bunny wrote: »

I've clearly been a bit naïve due to having no experience! I actually believed the quote 'NO win, No Fee was true!' :rotfl:

Do you want to read that again?

Happy_bunny

bigisi wrote: »

Do you want to read that again?

Ha!

What I meant was I thought they would fight the case, on my behalf, and claim their costs from the 'offending' party.

Re-reading my post and other comment I see this is not the case and they would be fighting for profits rather than my personal health and welfare.


Even knowing the reality I've been naïve, thought they were a good idea - MSE proves otherwise! :T