If you are determined to make your way through the designated channels of communication and legality after having been in an accident, and if you have already eliminated the possibility of taking more minor steps such as writing a letter to the at fault party or trying to work through a mediation service, it is time to make the next effort.  Remuneration for you and your specific situation is out there; it is merely a question of going through the appropriate routes of formal and informal action in order to get the cheque in your hands.  Checking your insurance policies to assess exactly what kind of coverage you possess and whether or not that coverage applies to the accident that you have just been involved in will get you one step closer to receiving the compensation that you need and are entitled to.

Depending on the nature of your accident, you may have to refer to one or more of your policies in order to determine your coverage and how it affects your particular circumstances.  For example, if you injured your foot while entering into your automobile on your own property in order to drive to your place of employment, you may want to check into your car insurance policy and your employer’s professional insurance policy.  Other policies that you may find yourself reading the fine print on, if your particular accident calls for them, include holiday or traveler’s insurance, motorist’s insurance, and insurance on the contents of your home.

If it turns out that your insurance that you already own will indeed cover the expenses caused directly by your accident or loss, then you will need to go no further.  Simply contact your insurer and discuss with them how to submit a claim and the particulars of your case and possible compensation.  However, it may not be as simple as that, and you may decide your accident is serious enough to be seen by a solicitor at the legal level.  When you see the phrase “legal expenses insurance” on one of your insurance policies, you will know that you have found exactly what you are looking for if you are planning to take your accident claim case to court, as your solicitor costs are then covered.


Insurance After the Fact

If you have been involved in a serious accident and are very worried and concerned about the financial effects that the circumstances are going to have on your wallet and family, you do have one option if you are without insurance already.  Acquiring a particularly relevant kind of accident insurance after the fact of the accident itself is a step that many individuals take in order to ensure that they do not end up paying thousands of pounds more than they can afford for their medical bills or loss of earnings after the event.

If you choose to go this route, you may want to invest in the help of a solicitor, who will help you to choose an after the accident insurance policy that is both affordable and will prevent you from being slammed with any enormous legal bills at any point in the accident claim.  Beware that many legal insurance policies will not be granted to you if you have a doubtful or unclear accident claim case; many insurers are only willing to grant you coverage if they know undoubtedly that the accident was not your fault and that you are likely to win your case.  Because of this factor, make sure that you have all the details, witness accounts, photographic and written evidence, and other documentation of your case gathered, organized, and ready to present before you go about this process.


Arnel Ariate is the webmaster of Money Soldiers.

Click Here to Leave a Comment Below 3 comments
Marvin - February 1, 2014

I unfortunately found this lesson out the hard way. I didn’t check for accident compensation and had to come out of pocket. Good news is, I was able to learn this lesson at a very young age.

    Arnel Ariate - February 1, 2014

    Hi, Marvin. It certainly pays to learn our lessons early. 🙂

Jenny Long - February 10, 2014

I don’t know about buying insurance after an accident but you must make sure that you have sufficient coverage when you are arranging vehicle insurance coverage. You have to think about possible scenarios and if you coupe with them without insurance protection. For example, how can you deal with third party claims, can you pay the damages to your car or can you buy another one if it is totaled. You can afford to pay the monthly premiums but can you afford to cover your losses if an accident was to happen?


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