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If the accident wasn't your fault, you can use a credit hire company instead of making a claim through your insurance company. A credit hire company pays for the cost of you hiring a replacement vehicle while yours is being fixed, and pays for the cost of repairs.
Always File a Claim, Regardless of Who Was At-Fault And the answer to that question is: always. TWWH attorney, Phillip Warren, here explains why and how failing to file a claim with your own insurance company for any accident could negatively impact your claim.
Learning How To Claim Car Insurance For Own Damage Step-by-Step Step 1: Notify Your Insurance Company. ... Step 2: Report an FIR to the Police. ... Step 3: Use Photographic Proof. ... Step 4: Provide the Insurance Company with the Necessary Documents. ... Step 5: Fix Your Car. ... Step 6: Claim Settlement Process.
A deductible is the amount you must pay before the insurance company pays anything on a claim. You usually pay a lower premium if you choose a higher deductible.
Section 11 of the Limitation Act 1980 (LA 1980) states the limitation period for a personal injury claim, which include road traffic accident claims, is three years. The three-year time limit applies to either of the following. Three years from the date of the accident.