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Will my road traffic accident claim affect my insurance?

Many people worry that making a road traffic accident claim will cause their car or motorcycle insurance premium to rise. However, if the accident was not your fault, you should not have to make a claim on your own insurance.

Claiming after an accident with an insured driver
If you have the insurance details of the person who caused the accident and you make a road traffic accident claim against them through us, it should not affect your own insurance at all. Your insurance premium is more likely to be affected if your insurance company has to pay out money that cannot be recovered.

What's more, as we operate a no win, no fee service, it means that in the event your claim is unsuccessful, you will not be liable for any costs whatsoever, so the risks of any financial disruption to you as a result of making a claim really are minimal.

Claiming after an accident with an uninsured or untraceable driver
If you do not have the details of the person who caused the road traffic accident, or if that person was not insured at the time of the accident, we can still help you. Instead of claiming against another insurance company, claims are directed to the Motor Insurer’s Bureau (MIB). You can claim for both personal injury compensation and property damage against an uninsured driver in this way. Read more about uninsured and untraceable driver claims.

Claiming in this way should not affect your insurance premium whatsoever, and as with making a claim against another driver, you do not have to pay anything towards your road traffic accident claim, if your claim is not successful.

Call today for expert legal advice
For information about making a compensation claim following a road traffic accident, call us now on 0800 197 32 32.