subject: Accident Benefits And Your Rights [print this page] If you have been hurt or injured in a car accident; there is a complicated set of rules that you need to follow if you're planning on creating a claim for the injuries, lost pay, damages for pain & suffering or simply getting the insurance provider to fix your car. Remember that insurance providers won't purchase these things if you do not report the accident. So if you plan on collecting from the insurance company, you will have to report the accident to them. If you do not; you're risking losing out on valuable benefits described in greater detail below; not to mention any monetary damages that you be eligible for.
London has what's called a "no-fault" set of rules for automobile accidents. What this means is regardless whose fault the accident is, you're eligible for a multitude of benefits to help you when you need it most. These benefits are generally paid for by your own car insurance company. Should you did not have auto insurance during the time of the accident, the insurance coverage Act provides a number of priority rules to set out who's accountable for spending money on your benefits.
The benefits that are paid out under "no-fault" system are called "accident benefits". Accident benefits are a wide variety of benefits which cover a multitude of categories. These categories include things like:
Medical/Rehabilitative Benefits
Income Replacement Benefits
Caregiver Benefits
Housekeeping/Home Maintenance Benefits
Attendant Care Benefits
Medical/Rehabilitative Benefits cover things like the expense of physiotherapy treatment, chiropractic treatment, therapeutic massage treatment, gym memberships, assistive devices, aquafit classes, and then any other medical/rehabilitative treatment, or devices which are discovered to be reasonable and essential for your post accident care. Other devices may include therapeutic beds, wheelchairs, canes, ramps as well as modified vehicles to support accident victims.
In order to recover these benefits, a health care professional just like a physiotherapist, massage therapist or perhaps a doctor will have to fill out a "treatment plan". This is a standard form which is listed in the insurer, and it is up to them whether or not they approve or deny your skin therapy plan. These benefits are NOT unlimited. For instance, For which are called "non-catastrophic" cases, you are eligible for 100,000 in benefits over Ten years in med/rehab benefits. In "catastrophic cases", you are entitled to 1,000,000 during the period of your lifetime. The costs may vary.
Credit hire benefits are meant to do exactly what their name says; replace your earnings if you're unable to work following any sort of accident. You're eligible for 80% of the net pre-accident income which is averaged out of your last year's pre-accident earnings or 26 from the 52 weeks before your accident. The utmost income replacement benefit under a standard auto policy in is 400/week. Some people chose to pay higher premiums to increase this amount. The problem which almost everyone has in claiming credit hire benefits is that they problems showing that they were working before the accident, or they have problems quantifying their pre-accident income. Claiming these benefits could possibly get particularly tricky if you have use of a private short term or long term disability policy that is made to supplement your earnings.
For credit hire and car replacement you can simply log on to: http://www.accident-replacement.co.uk
