The first thing I will tell you is that even if you are fully
comprehensive, your own insurance company will not recover what are known as
uninsured losses. Uninsured loss of insurance excess, personal injury, no claim
bonus, expenses, and car hire while your car is damaged (unless you have car
hire as an extra).
You may have legal expenses cover and you need to check that. Even
if you do have legal expenses cover which covers the above, you will be put
into a sausage machine with a firm of solicitors somewhere who are only
interested in getting your case their desk and getting any fees in possible.
They will have no interest in dealing with it unless you use them for personal
The personal injury and the issue of the prosecution of the
driver are separate issues and the insurance company will not settle while
prosecution is pending just on the off chance that he gets away with it. Even
if he gets away with it, it does not mean that you don't have a claim, it's
just that for some strange reason, the insurance company will always delay
dealing with it while there is a prosecution pending. People who have been in
an accident think that a prosecution pending is favourable whereas the reality
is that it just delays things.
I would speak to a completely independent solicitor you might
want to try this firm. Mention that you came from me on this site http://www.handleylaw.co.uk/
I have personal experience of the firm although I am not allowed
to recommend firms, it is worth speaking to them.
They will deal with this type of accident on a no win no fee
basis the problem is the delay may be inevitable . They will not only deal with
getting compensation for your injuries (for which they get paid their legal
costs by the defendant) will also recover your expenses, arrange car hire,
refund policy excess, et cetera.
Unfortunately, you are not entitled to a hire car period of time
until the claim settles. The court believe that you are under a duty to
mitigate your loss and that includes getting yourself a replacement car as soon
as possible even if you have to pay for it yourself. I completely and utterly
disagree with the standards that the court take this but I don't make the law,
I simply regurgitate it. About one month car hire is probably about as much as
you could get away with
isolation, to ascertain whether he is taking liberties or not.
Does that answer the question? Can I assist further or answer any specific queries?
If you have not done already, please don't forget to positively rate my answer service even if it was not what you wanted to hear. You should now see a series of buttons which enable you to rate my answer service formally.
If you don't rate it positively, then the site keep your deposit and I get 0 for my time. It is imperative that you give my answer a positive rating.
It doesn’t give me, “a pat on the head”, “good boy” (like ebay), it is my livelihood!
If in ratings you feel that you expected more or it only helped a little, please ask.
The thread does remain open for me to answer follow-up questions after rating my answer service.
Rating doesn’t close the enquiry at all even though the site may give that impression. It remains open for you to read and ask for further clarification.
PS Experts on here are online and off-line all day each day and weekends so please bear with me if I do not get back to you immediately.
PS. I use voice type, voice recognition typing because I only type with two fingers and it would take me ages. Sometimes, a computer does not hear me correctly and you will get an incoherent word. I do try to but sometimes they slip through. I apologise therefore if anything doesn’t make sense. It is me losing it, not you. Just ask if anything is not clear please.