We hope no one has to experience a car accident – but if you do, make sure you are aware of your rights.

When thinking about getting the compensation you deserve you might just think about personal injury and loss of earnings, but did you know there are lots of other expenses you’re legally entitled to claim for?

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.

  1. 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.

  1. 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 recommended legal panel will look to help you recover all losses that arise.

  1. 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 able to be seen from the outside.

  1. Phone calls.

After being involved in a collision, you’ll likely spend a lot of time on the phone.

You might be calling your legal representatives, your doctor, your insurance representatives, your 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.

  1. 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.

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.

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.

Towing and recovery charges

Towing and recovery charges can be expensive, ranging up 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.

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 will generally 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 damaged history.

And it’s the gap between what your car was worth pre and post-accident that you should be compensated for.

 

If you have been in an accident that wasn’t your fault CRASH Services, NI’s largest accident management company can help. They take care of everything at no cost to you. They will take over your case and can get you a courtesy car if your car has been damaged and needs to be repaired.

For more learner driver advice see our getting started section, theory test help or practical test help to get you started. We also offer advice on buying a car, explain different insurance types and tips on staying safe.