What is an Accident?
Although this may seem obvious a Car Insurers
view of what constitutes an accident may differ widely from
the general perceptions of the public. For this reason you
shpould always read your policy documentation carefully.
The general definition of what constitutes an
accident within UK Insurance circles is as follows:
Accident means an unlooked for mishap
or an untoward event which is not expected or foreseen or
designed from the standpoint of the victim
The word accident is used substantially in car
insurance policies and many other types of insurance. The
main purpose of the word appears to be a desire to safeguard
the insurer from losses lacking a fortuitous element.
Losses deliberately engineered by the insured
are clearly not covered while those where both the means and
the consequences are fortuitous will usually be covered. Between
these two extremes the meaning of accident is not always clear
particularly in the case of personal accident, liability or
where losses are not covered by a policy.
If you believe you have suffered an accident,
you should in the first instance always contact your car insurer
or broker who will advise you of the appropriate course of
action to claim an receive compensation for the accident damage
to your car or a third parties property.
If you have suffered an uninsured loss such
as personal injury, we recommend that you contact a reputable
solicitor who is governed by the Law Society. They will assess
your individual claim circumstances and carry out compensation
recovery work on your behalf usually at no cost to yourselves.
For nationwide road accident personal injury claims we recommend
Solicitors who are leading experts in this field
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