Getting the compensation you deserve includes personal injury claims and loss of earnings, but did you know there are lots of other hidden costs you’re legally entitled to claim for?
When most people think of personal injury claims after a car accident, they automatically think of injuries like a sore neck or back, concussions and broken bones.
But you could be entitled to claim compensation for a lot more.
Under the law, if you are involved in an accident that wasn’t your fault, then you’re entitled, through compensation, to be put back into the same position you would have been if the accident had not happened.
Here are at least nine overlooked costs most car accident victims forget to claim for.
1. Loss of no claims bonus.
After building up your No Claims Discount, there is a risk with any claim of losing your NCD.
This varies with each insurer, and if you do find yourself losing your years of NCD, you should receive compensation for this loss.
2. Additional costs of insurance.
Regardless of whether you were at fault or not for an accident, making a claim usually means a rise in your insurance.
That’s why it is essential to factor the price hike into your compensation, to ensure you are not out of pocket.
3. Finance charge fees for getting a new finance agreement to replace a written-off vehicle.
The bills don’t take long mounting up after an accident.
You may incur a charge for getting a new finance agreement to replace your written-off vehicle.
But if you weren’t at fault, you shouldn’t be unfairly penalised.
That’s why CRASH Services will look to help you recover all losses that arise.
4. Child seats.
Regardless of whether your children were in the vehicle at the time, it is recommended to replace any child seats that were.
That’s because, after a collision, there could be damage that is not seen by the naked eye.
Most insurance companies in 2020 will accept this, but if they don’t, you should still insist on a replacement (same value, type etc.) and seek legal advice from the CRASH Services team or a legal representative should they refuse.
5. Phone calls.
After being involved in a collision, you’ll likely spend a lot of time on the phone.
You will be calling your legal representatives, doctors, your insurance representatives, your boss at work and a whole host of others.
But it would be best if you weren’t out of pocket for all the expenses incurred making phone calls.
And CRASH Services will ensure you get fully compensated for all phone call expenses made regarding your accident.
6. Insurance administration charges for change of vehicles.
As you’ll notice, the fees after a collision keep on coming.
If your car is declared a write-off or you decide to change your vehicle after a collision, you’ll most likely encounter the extra ‘admin charges’ made by your insurer.
The cost ranges depending on the insurer of course, but you could pay anything from £15 – £45.
It’s another cost that you shouldn’t have to pay if you weren’t at fault and it’s one you are legally entitled to claim for.
7. Contents of a vehicle damaged in an accident.
It’s a little known fact, but you are entitled to compensation for damage to anything in your car during a collision.
Did your shiny new Apple iPhone 11 suffer a cracked screen?
Or did your Bluetooth stereo get damaged?
Did your new bottle of Coco Mademoiselle perfume, nestled in your glove compartment, get damaged?
Or were your slick aviator sunglasses damaged?
No matter what was in your car during the accident, if an item has suffered damage, you should be compensated for the cost of replacing it.
8. Towing and recovery charges
Towing and recovery charges can be expensive, ranging from £65 to hundreds of pounds.
And if you’ve been involved in an accident that wasn’t your fault, you should be compensated for your loss when you make your claim.
9. Diminution in value
Vehicles involved in a road traffic accident lose value, known as ‘diminution’.
Diminution can happen irrespective of the quality of subsequent repairs; buyers demand a price reduction before they will even consider purchasing a vehicle with a collision listed in its history.
Ultimately, it is the difference in the price that would have been offered for a vehicle with a clean history versus one with a soiled history.
And it’s the gap between what your car was worth pre and post-accident that you should be compensated for.
If you’ve been in an accident that wasn’t your fault CRASH Services can take care of everything at no cost to you.