Insurance Articles
02 August 2008
Car Insurance - Legal Cover or Not?
Why you should choose to take the right level of cover
If you are involved in a motoring accident - even if you have fully comprehensive car insurance and the accident is not your fault - you may be liable for your policy excess and out of pocket expenses and you may suffer loss of earnings as a direct result of the accident. Legally you are entitled to seek compensation for any uninsured losses from the person who caused the accident and this is where motor legal protection cover comes in.
If you take out motor legal protection, in addition to your car insurance policy, an insurance provider will attempt to recover these losses for you - either directly or by appointing a solicitor on your behalf if necessary - even if the person who caused the accident is uninsured. If you hold a "third party, fire and theft", or "third party only", car insurance policy, legal cover may extend to accident repairs.
The cost of motor legal protection compares very favourably with that of appointing your own solicitor to deal with a claim and offers the security, and peace of mind, of knowing that you cannot be faced with a large legal bill. There are, of course, alternatives; car insurance providers do tend only to pursue legal cases in which there is a reasonable chance of success so you may like to consider a "no win, no fee" solicitor instead. Similarly, the Motor Insurers' Bureau (MIB) is a private company - to which all car insurance underwriters contribute - which you can approach directly with regard to uninsured or untraceable drivers.
© Upshot Media Ltd
If you take out motor legal protection, in addition to your car insurance policy, an insurance provider will attempt to recover these losses for you - either directly or by appointing a solicitor on your behalf if necessary - even if the person who caused the accident is uninsured. If you hold a "third party, fire and theft", or "third party only", car insurance policy, legal cover may extend to accident repairs.
The cost of motor legal protection compares very favourably with that of appointing your own solicitor to deal with a claim and offers the security, and peace of mind, of knowing that you cannot be faced with a large legal bill. There are, of course, alternatives; car insurance providers do tend only to pursue legal cases in which there is a reasonable chance of success so you may like to consider a "no win, no fee" solicitor instead. Similarly, the Motor Insurers' Bureau (MIB) is a private company - to which all car insurance underwriters contribute - which you can approach directly with regard to uninsured or untraceable drivers.
© Upshot Media Ltd
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