Lorry crashed into me. Injured

drerose2016

5 days ago. I was in the left lane of a one way street indicating to turn right. 
There was a 30 ton lorry parked in the right lane. 
Next thing lorry drove into my drivers door and scraped my whole car,lost my qingmirror. Couldn't open my drivers door. Amd the dents and scrapes and damage to my wheel basically my car is a write off. 
We got out. He fully admitted liability and apologised I was in shock. We swapped details and I went back home. In a state. I called my insurance and as I only have 3rd party insurance they qont cover me. As I was Injured they obviously put me with a legal team. I called his insurance they were extremely apologetic etc. And advised they would sort out a courtesy car for me by Friday. No car or phone call. So I've been left without a car. I should add that I am disabled and made that clear to them. So having a car was important.  After going to the hospital I have been diagnosed as having a concussion and whiplash. I can't even remember banging my head  I was in no pain at the time. But in a lot if pain now.
My question is. What happens now. He has admitted it was his fault the lorry has cameras on it so they have viewed them and admitted he was in the wrong.
Do I get money back for the damage to my car? Do I get money back for the taxis and buses I've had to take to get the kids to school and nursery. Do I get compensation for the injuries. I've never experienced anything like rhis before so don't know how it works. Especially as I'm only 3rd party. 
Will the company give me the money. Or does it have to go through court? I have the police coming out tomorrow to discuss it as apparently they should of been called when the incident happened. But as I said I was in complete shock and it was my first crash so I had no idea what I had to do. Any help or advice would be appreciated 

ontheroad1970

HIs insurance company should take of most things.  You do have to make every effort to minimise your costs, but keep your receipts.  Don't be overeager to start a personal injury claim (which is separate to the insurance claim itself) as certain injuries can develop in different ways.  

They will assess if your car is economical to repair, which will depend on damage and age.  You are the third party in this case, so as they have admitted liability, you are covered.  When you come to renew, it might be worth checking whether third party only really saves you money.  A lot of people assume it does, but often, it is more expensive than fully comprehensive insurance.  

If you come to an impasse over a write off valuation, you won't be able to escalate it to the regulator as you aren't the insurance company's customer.  Look at the same model of car in similar condition and mileage on Autotrader and such, and be prepared to take a little less than the asking prices you see.  But get plenty of evidence of the same car in similar condition to yours before the accident, with similar mileage.

macman

Do you have legal cover either under your home or motor insurance policies?

lisyloo

Home insurance cover usually does not cover motoring accidents.

DullGreyGuy

Do you have legal expenses cover on your Motor insurance? You mention they were connecting you to the legal team but not if its under the terms of your policy or as a cold referral?

As a non-fault accident you should be indemnified by the third party insurers (ultimately) and so means put back in the same financial position as you were the moment before the impact. This can be done via claiming directly with the third party insurers or by using a third party like legal expenses insurance provided lawyers or accident management companies. If you dont have LE cover and do claim for injuries via a lawyer then its likely it'd be under a conditional funding agreement (aka no win, no fee) and so they take a proportion of your award.

Some third party insurers are very proactive and will manage the claim in a similar or better way than they would their own insured in the hope that they leverage their volume discounting and so its cheaper for them. Others are very much arms length making you do all the work in the hope that some claimants just drop out the process as too much hassle. People are equally divided between those happy to deal with it all themselves and those that want expert representation in the thought that the extra the expert will achieve will more than offset their costs.

Why do you have Third Party Only insurance? TPO and TPFT are typically notably more expensive than comprehensive despite giving much less cover.

Ectophile

On the injury side, don't let the other party's insurance rush you into accepting a sum of money as "full and final settlement".  Once you've accepted it, the claim is finished, even if the injury turns out to be more serious than you first thought.

If you have a legal team, follow their advice.

maxmycardagain

Do I get money back for the damage to my car?
Your insurers SHOULD advise you to take it to one of their approved repairers (though you dont have to
You would have to pay (and reclaim) any excess
This after the assessor has valued the car vs repair costs


Do I get money back for the taxis and buses I've had to take to get the kids to school and nursery.
Yes, get receipts 

Do I get compensation for the injuries.
Yes, you will need to visit A&E/GP or insurers approved medical centre

You are right about your 3rd part insurance to a point but you arent claiming off YOUR insurance, the truckers cover will get the bill

You may get a courtesy car too, arranged by the claim company appointed by your insurer

Most haulage companies are very good in accident cases 

Dont agree to any valuation on your car on the first offer, ditto with any injury claim, also, is your car or insurance on monthly HP?

These are settled out of any payment before you get anything

macman

lisyloo said:

Home insurance cover usually does not cover motoring accidents.

I didn't suggest that it did. But it's often sold as an add-on policy offering legal advice and expenses.

DullGreyGuy

macman said:

lisyloo said:

Home insurance cover usually does not cover motoring accidents.

I didn't suggest that it did. But it's often sold as an add-on policy offering legal advice and expenses.

Which normally excludes motor accidents so that they can sell you the LE cover on both policies as they are mutually exclusive/ dont overlap

lisyloo

macman said:

lisyloo said:

Home insurance cover usually does not cover motoring accidents.

I didn't suggest that it did. But it's often sold as an add-on policy offering legal advice and expenses.

Huh?
whats the point in suggesting policies that don’t cover for motor accident??

motor policy add-ones or motor stand alone legal policies cover motoring accidents
house insurance add ons cover things like consumer, tax, employment but all the ones I’ve ever seen exclude motoring so they will not Offer legal advice on motoring (or expenses or solicitors fees). 
They are generally separate products.

just wondering why you are suggesting it if it offers no help whatsoever?

macman

I've never taken one of these policies, so I have no idea what is covered or not. But it can do no harm for the OP to check what might be covered, unless you can categorically assure her that motoring will be excluded.