Motor
Accidents
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to RTO basics
updated 24 July 2007
Accidents when driving your car, riding your
motorbike, or simply on a bicycle can happen to anyone. Whether they are your
fault or not, and whether or not you, or others are injured, they are a
nerve-racking experience.
If you or one of your passengers do happen
to be injured in an accident your insurance company will not pursue this matter
for you - even if you have paid an additional sum for "Legal Expenses
Insurance" (LEI) or "Uninsured Loss Insurance". If
you have LEI they will pass the matter on to a firm of solicitors who they have
chosen. It is worth noting that despite what you may be told you do NOT
have to instruct their solicitors to pursue your claim. You can instruct any
firm of solicitors to deal with the claim for you. If you would like to be free
to choose your own solicitors then use our simple claim
form below and we will assess your chances of making a successful claim, and
put you in touch with a specialist law firm. If you like them then you can
instruct them.
Here is our checklist of the legal "dos and don'ts".
1. Always stop after an accident.
2. Check for damage to your vehicle, any other vehicles involved and any
injuries to people or animals.
3. Exchange details, including name, address, telephone number, vehicle
registration and insurance cover (if available) with others involved.
4. If you do not stop, or cannot provide any details, then you should report the
accident to the police within 24 hours. If someone has been injured, their
property damaged or an animal injured then you MUST report it if you could not
provide all the relevant details at the accident scene.
5. Make sure you have a note of the other people involved and their vehicles
(colour, registration, make and model).
6. If there were any witnesses to the accident make sure you have their contact
details too.
7. If possible try and make a note of the precise location of the vehicles
before any are moved.
8. If you have any worries, doubts or concerns then you should call the police
and ask them to attend.
9. As soon as you can after the accident sit quietly and write out your
recollection of exactly what happened.
10. Report the accident to your insurers.
11. If you or any of your passengers were injured in the accident then you/they
should attend a doctor at the earliest opportunity and consider making a claim (see
below). Note that you do not have to use any solicitors who may be appointed
by your insurers under any legal expenses insurance scheme. We would suggest you
choose your own.
12. Do not make any admissions about liability for the accident either at the
scene or later.
13. If the police are called and you think that you may have been at fault, ask
if you can arrange to give a statement at a later date. You can then prepare and
also instruct a solicitor if necessary.
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