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Compensation Claims and Road Traffic Accidents (RTAs)
[06.09.11] |
 A Road traffic accident refers to an accident in which a motor vehicle is involved. A claim resulting out of such an accident is known as a Road Traffic Accident claim or RTAs for short. For instance, if you are involved in a hit and run accident case where the car responsible for the accident drove off soon after the incident, then you may have to submit an untraced driver claim to the Motor Insurers Bureau.
It is the MIB that also provides compensation for those who are involved in accidents caused by those drivers who do not have any insurance coverage.
It does not matter whether you are a passenger, a driver, and a pedestrian or motorbike rider who is involved in a road traffic accident. The fact is if you want to make a claim for compensation, you will have to seek the assistance of a reliable solicitor who has sufficient experience in handling road accident compensation cases.
Most people would already have legal insurance cover provided by their vehicle insurer. This means you already have someone who will be representing. However, if you not opted for legal insurance cover, there is no need to worry since there are a number of solicitors and legal firms that will be willing to take up your case without any up front charges.
When you are involved in an accident compensation case, it is always better to find out if there are any charges either upfront or afterwards before getting into an agreement with a solicitor. This is because there are many solicitors and legal firms that offer no win no fees. However, they do not talk of the fees they charge if you win. There are some who offer 100% compensation guaranteed but are not prepared to take up risky or challenging claims.
Things to do before making a claim
Before making a claim for a road accident, it is important that you get complete medical treatment at a hospital so that your suffering and pain are well documented and hence can be proven. Quite often, RTA claims fail because the victim had not visited a hospital or visited a general practitioner regarding their injury. By ensuring that your injury is documented, you can prove that the road accident did indeed take place and that your injuries are because of it.
There are a number of solicitors who have the necessary expertise and also the experience in handling traffic accident cases. But it is equally important to find a solicitor who is reliable and also has a very successful track record in settling such claims.
The last few years have witnessed a steep rise in the amount of vehicle crash compensation as more and more people make personal injury claims. In fact there are many who believe that it is the compensation payout that is the reason why people are opting for vehicle insurance.
However, you will find that this is a wrong assumption when you consider that the average compensation paid by the insurance providers for a road traffic accident is around £1,500 to £2,000. Take for instance, whiplash injury claims. Now, these amounts are way short of what you may have to pay for the car damages. Nowadays, if you want to change a bumper, it is going to cost you a hundred pounds and even for a small dent you end up paying anywhere between £ 500 to £ 3000.
Things to do as a Driver
Lastly, as a driver involved in an accident on the roads, it is important that you stop your vehicle irrespective of whether the accident is your fault or not. Likewise, you should stop your vehicle if someone, other than you is injured or if another vehicle or property is damaged in the accident. Similarly, stop your vehicle if you hit against a lamp post or a bollard or if any kind of street furniture is damaged.
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