Do I have to pay an excess if the accident was not my fault?
You have options for managing a non-fault accident claim, and your choice can determine whether you pay an excess. Your insurer will require an excess payment Many believe they must contact their own insurance company after a non-fault accident, but this isn't necessary. If you file a claim with your own insurer, you'll need to pay your policy excess to initiate the claim.
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Table of Contents:
Reasons your insurer charges an excess.
Liability for the non-fault accident has not yet been established.
At the beginning of your claim, fault has not yet been officially determined. From your insurer’s perspective, you could still be considered at fault for the accident, so they may require you to pay your policy excess as a precaution. However, since you were not at fault, this is an unfair and avoidable expense.
They are initially making the claim against your own policy.
Since liability has not yet been determined, your insurer takes the precaution of initiating the claim against your own policy. This results in a ‘pending claim’ on your policy and requires you to pay your excess. This can impact your upcoming insurance renewal.
To discourage certain types of claims.
Excess fees are implemented to discourage claims that are:
- For minimal amounts or damage
- Fraudulent
How much will my excess be?
Understand how the excess is calculated following a non-fault accident.
Reasons your insurer charges an excess.
Liability for the non-fault accident has not yet been established.
At the beginning of your claim, fault has not yet been officially determined. From your insurer’s perspective, you could still be considered at fault for the accident, so they may require you to pay your policy excess as a precaution. However, since you were not at fault, this is an unfair and avoidable expense.
Liability for the non-fault accident has not yet been established.
At the beginning of your claim, fault has not yet been officially determined. From your insurer’s perspective, you could still be considered at fault for the accident, so they may require you to pay your policy excess as a precaution. However, since you were not at fault, this is an unfair and avoidable expense.
Reasons to Claim with Elite Accident Management.
Our mission is to eliminate the inconvenience, stress, and disruption caused by a non-fault accident.
As a leading accident management company, we offer comprehensive, start-to-finish service covering every aspect of claims management.
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Streamline the claims process after an accident. Our experts will manage your claim from start to finish.
Comparable replacement vehicle.
A comparable replacement vehicle offers the same level of comfort and features you’re accustomed to. We ensure you receive a suitable replacement within 4 hours of contacting us.
Eligibility For A Bike Accident Claim ?
Eligibility: Ensure that your injury was caused by another party’s negligence. This could be another driver, a pedestrian, or even poor road conditions.
Documentation: Collect all relevant evidence, including photos of the accident scene, medical records, and witness statements. This documentation will be crucial in supporting your claim.
If your accident was caused by a failure of your bicycle or its components, you might have grounds to file a claim against the manufacturer of the defective product. To succeed, you will need to demonstrate that the product was indeed defective and that this defect directly led to your accident and injuries.
Accidents caused by hazardous road conditions, such as potholes or debris, may entitle you to file a claim against the entity responsible for maintaining the road. You will need to prove that the poor conditions directly caused your accident and that the responsible party failed to maintain safe road conditions.
Our expert team is here to help you navigate the claims process and secure the compensation you deserve. Contact us today to discuss your bicycle accident claim.
Move to a safe area away from traffic if you are able to do so.
- Move to a safe location away from traffic if you can. Prioritize your safety and avoid any further harm.
- If possible, obtain the contact and insurance details of the other parties involved. At a minimum, note the vehicle registration number.
- Capture comprehensive evidence of the accident scene, including your bicycle, involved vehicles, road conditions, and any visible injuries. High-quality photos and videos are crucial for supporting your non-fault claim.
- Get checked by a medical professional as soon as possible, even if you don’t feel seriously injured. Some injuries may not be immediately apparent.
- Report the accident to the police and request a police report. This official record is important for insurance and legal purposes.
- If there are any witnesses, obtain their contact details. Their accounts can be invaluable for your claim.
- Inform your insurance company about the accident and provide all relevant details and evidence.
Move to a safe location to avoid further harm
Seek medical attention immediately, even if your injuries seem minor. Some injuries may not be immediately apparent.
Speak with a lawyer who specializes in cycling accident claims. They can guide you through the process, help you understand your rights, and work to maximize your compensation.
Expert Analysis: Our experienced claims team meticulously examines every detail of your case to establish fault and ensure a strong claim.
Comprehensive Support: From initial consultation to final settlement, we manage all aspects of your claim, so you can focus on recovery.
Regular Updates: Stay in the loop with frequent updates on the progress of your claim, so you’re never left wondering about the status.
The duration of a cycling accident claim can vary widely based on several factors, but here’s a general outline to help you ?understand the process and timeline
Contact our team and provide the details of your accident. We’ll review your case to determine if we can assist you.
During this phase, gather and submit all necessary evidence such as photos, medical records, and witness statements.
Once we take on your case, we’ll prepare and file your claim with the at-fault party’s insurance company.
Understanding the time limits for making a claim after a cycling accident is crucial. Here’s what you need to know
In most jurisdictions, there is a limitation period within which you must file a claim after a cycling accident. This period can vary depending on your location and the specifics of your case.
It’s important to consult with a legal expert promptly to determine the exact timeframe applicable to your situation.
Delaying your claim could potentially jeopardize your ability to recover damages.
Determining the amount of personal injury compensation you can claim after a cycling accident involves considering several factors unique to your case. Here’s a comprehensive overview
Compensation may cover the repair or replacement costs of your bicycle and any other damaged items such as gear, electronics, or clothing.
Expenses related to alternative transportation methods necessitated by the accident, such as public transit fares or temporary vehicle rentals, may be included in your claim.
The severity of your injuries and associated medical expenses will significantly impact your compensation. This includes current and future medical treatments, rehabilitation, and therapy.
If your injuries prevent you from working, you may be entitled to compensation for lost wages or income. This also applies if you need to take time off work for medical appointments or recovery.
Compensation may be awarded for physical pain, emotional distress, and the impact of the accident on your quality of life.
Injuries sustained in bicycle accidents can have serious and long lasting effects. Here are some of the most common cycling injuries individuals may claim for:
A blow to the head in a bicycle accident can result in traumatic brain injuries. TBIs can lead to cognitive impairments, motor function difficulties, and emotional challenges.
Falls or collisions can cause spinal cord injuries, potentially resulting in paralysis or loss of sensation below the injury site.
Bones can break or fracture due to the impact of a fall from a bicycle, requiring medical treatment and possibly surgery.
Muscles, tendons, and ligaments can suffer strains, sprains, or tears in a bicycle accident, causing pain, stiffness, and limited mobility.
Why should you choose Auto Claims Assist for your bicycle accident claim? Here are compelling reasons
Our services are completely free for the non-fault party. You won’t have to worry about upfront costs or hidden fees.
Rated Excellent on Trustpilot, we pride ourselves on delivering a superior customer experience. Our clients’ satisfaction speaks volumes about our commitment to service excellence.
We are proud recipients of industry awards and are regulated by the Financial Conduct Authority (FCA), ensuring that we operate with integrity and compliance at all times.
You will be assigned your own dedicated non-fault claims handler who will guide you through the entire claims process. This personalized service ensures you receive the attention and support you deserve.
We work with a network of specialized personal injury solicitors who are experts in handling non-fault accident claims. They will skillfully manage your case to achieve the best possible outcome.
Start your claim today with Auto Claims Assist.
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