When you have been involved in a motor accident that wasn't your fault it is important for you to know your legal rights.

Please see below for all you need to know about your rights. If you feel that we may not have covered something, which you need to know, then please contact us and we will be happy to advise you further.

• How many estimates do I need to get my repairs authorised?

You usually only need one estimate for the repairs to be carried out on your vehicle.

 

• Can I choose where my car gets repaired? 

Yes, you may have your vehicle repaired at a Bodyshop of your choice regardless of what your insurance company may say.

 

• Am I entitled to a similar replacement vehicle while mine is off the road?

Yes, you are entitled to a like for like vehicle. The cost of hire is recoverable from the at fault party or his/her insurance company. The innocent party is never out of pocket.

 

• Am I entitled to a replacement vehicle if my vehicle is written off?

Yes, you are. The cost of the hire, for a period of up to seven days after the write off cheque is received, is recoverable from the at fault party or his/her insurance company. The innocent party is never out of pocket.

 

• Do I have to pay my insurance policy excess? 

No, by claiming off the fault at person's insurance, you will not be invoking your own insurance policy and therefore there will be no policy excess you to pay.

 

• Will my no claims bonus be affected?

It may temporarily be affected depending on individual insurers policy. On the successful completion of the claim, your no claims bonus is reinstated.

 

• Will any out of pocket expenses be recovered?

Yes, any expenses arising as a result of the accident may be recovered. This includes loss of earnings and medical expenses.

 

• What if I am injured in an accident?

You are entitled to register a Personal Injury Claim if you are injured in the accident.