Things You Should Know About Road Accident Compensation Claims

Road accident is a common phenomenon that might be encountered by anyone

, even the most careful and safest driver. Every year, millions of road accidents are recorded resulting in injuries to the people and damage to the property. A road accident compensation claim is a way to claim compensation against the damages occurring not only to the vehicle but also for other damages that include treatment for personal injuries and rehabilitation etc. Since this situation may be encountered by you at anytime, it is important to know how to deal with the situation in case of a traffic accident and make a successful compensation claim.

Things to be done immediately after a road accident

If you encounter a road accident, the first and foremost things is to exchange the contact details with the involved parties. These may include names, addresses, car registration numbers, and insurance policy numbers and insurance company names. It is important to record the name of the driver in case the owner himself was not driving. Names and contact numbers of witnesses may also be collected if possible as they will strengthen the case.

The second important thing to be done immediately after the accident is to record the circumstances in which it occurred, such as over speeding, obstruction, etc. and to record the damages received as well as caused to the other party. Taking pictures, and drawing the illustration of the accident scene, traffic light, and position of the vehicles, road condition, etc. is also helpful in compensation case.

Thirdly, it is important to inform the police and the insurance company immediately if possible, or within 24 hours in any case.

It is also important have medical first aid to treat the visible injuries, and have a medical checkup later even if no visible injuries occurred and you feel all right. The accident injuries may be internal and they can take up to 48 hours to appear. You should consult advice of a medical professional and keep daily record of signs and symptoms of injuries, medicines and treatment given by the doctor. It is important to record all the expenses of medical treatment, and if possible, obtain receipts of all the expenses.

Things to include in a road accident claim

The purpose of road traffic accident claim is to cover all the losses caused due to the accident. They include:

1. Compensation for personal injury to you and any passengers that were travelling with you, the costs of medical treatment, if required. This may also include the compensation for psychological trauma and suffering

2. Costs for the damage to your vehicle and the property. These costs include insurance policy excesses and shrinkage of the value of your vehicle.

3. Loss of your income that occurred due to the accident, for example, it may take 10 days off the work to recover from injuries. The monetary value of off-work period is calculated and can be included in the accident compensation claim

4. Compensation for provision of replacement vehicle while your vehicle is ready for use by you

A road accident claim gets too complicated as there are many details that need to be covered. It is, therefore, a good idea to hire a personal injury solicitor to prepare the claim documents, offer legal advice, and file the case in best possible manner so that you are successfully claim the most proper road accident compensation.

by: Deny Levis

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