Accident - Definition

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 Simpsons Solicitors who are leading experts in this field

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