5 Step guide to Making a Road Traffic Accident Claim

November 01, 2012 / by / 0 Comment

According to national statistics, around 600,000 whiplash claims are made a year, and a total of £2 billion a year is paid out by insurance companies. In 2011 alone, there were 203,950 road causalities reported to the police. However, very few go on to make a road traffic accident claim as they simply cannot afford it.

Despite this, there are plenty of companies willing to offer you a ‘no win, no fee’ agreement, meaning that you can get compensation for your injury without having to pay extortionate legal fees. Here is a five step guide to making a road traffic accident claim, so you can never again be robbed of your due compensation because of your financial status.

Write an account of the event

When you first have your accident, if you are able take some time to think before making an official statement to the police. Ensure you do not forget any important details as your statement will be relied on as evidence later in court. If there are any witnesses, make sure they give a full account of what happened.

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If you remember anything later on, write it down, or better yet, ring the police and have your statement amended. Big insurance companies rely on poor memory or poor details to prevent you from gaining compensation. Don’t put yourself at a disadvantage.

Look online to compare solicitors

Don’t settle for the first advert you see. Make sure you browse the web to ensure you are getting the best deal. Read the terms and conditions before signing up to any website, many companies claiming to offer you a ‘no win, no fee’ agreement use the small print to hide hidden costs.

Similarly, if it’s possible, try and find a solicitor that specialises in your specific injury. E.g. if you have incurred a serious head injury, you should look for solicitors that are well versed in providing head injury compensation for their clients.

Make your initial claim

When you make your initial claim, look back at your statement, or written account of what happened. Make sure you include as much detail as possible so that they can assess you claim efficiently. Don’t be tempted to lie, as this could invalidate your agreement.

Once your initial claim has been processed, you will be told whether or not the company is capable of taking on your claim.

Contract

As with looking through website terms and conditions, always be sure to read through a contract. Look at the small print, have another family member or trusted friend give it a read over. Sometimes other people can notice things we may have missed.

It is essential you know what you are signing so that you don’t end up out of pocket due to a loophole. If you have any concerns with the contract, tell the solicitor company, if they are unwilling to fix the things you disagree with then find solicitors who will.

Take out insurance

Always take out ‘After the Event’ insurance when signing a conditional fee agreement, to ensure that you don’t pay exorbitant disbursements or court costs if you lose your case. Always protect yourself, and make sure you know what you’re getting into before signing anything.


About the Author

Jyotsna Ramani is a passionate writer and an avid globetrotter. She had a knack for writing since her early years, though that was mostly letters to her penpals and jotting her thoughts down in her "Dear Diary". Over the years, she realized how her hobby could turn into a full time career and she started writing web content, books and pieces for local magazines. There has been no looking back ever since. Follow Jyotsna Ramani at Google+

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