FAQ

Q: Do I need to make a claim on my own insurance policy?

A: No. call us first and we can advise the best course of action to take. Even if the accident is you fault we can still deal with your claim and help you with you excess.

Q: Do I need to pay an excess?

A: If liability has been accepted on claim you will have no excess to pay and we will get you into a replacement car, if the accident is your fault we can help you with your excess payment, and a replacement car.

Q: What car would I receive in replacement of my own?

A: We are able to arrange a replacement car of similar engine size and quality to your own. From a family car to a Prestige car, sports car, 4X4, van, commercial vehicle, motor cycle, or people carrier. Whatever you drive we are normally able to provide a replacement that will suit your needs.

Q: When will I get a replacement car?

A: we and our partners can provide a vehicle within 3 hours of first notification of your collision if your car is not safe to drive in any way, or cannot be secured. Otherwise we arrange delivery of a replacement just before your vehicle goes in for repairs.*

*subject to completion of the relevant paper work and acceptance of claim

Q: What cost is there to me?

A: If the car accident was not your fault, then we and our partners will recover the costs on your behalf from the at-fault drivers insurance company.

Q: My car accident happened 3 months ago, can I still make an injury claim?

A: Yes. A person can make a personal injury claim up to 3 years from the date of the car accident occurring.

Q: Who pays for these services?

A: We and our partners recover our costs directly from the at-fault party’s insurers.

Q: What does *no win no fee actually mean?

A: Put simply, If we do not win your case you will not have to pay the lawyer’s fees. If you have arranged and agreed to a fee with your lawyer due the complex nature of a claim, or if we win your case, your lawyer will have already discussed and agreed with you in advance an appropriate amount to come from your compensation settlement to cover their legal costs. This amount is capped by law at a maximum of 25% of the total amount awarded to you.

Q: What is split liability?

A: This means that the cause of the accident was partly your fault. How the proportion is split ie. 50/50, 60/40 etc. will be agreed between insurers/solicitors of the party’s involved or in some cases a court ruling. If for example the liability was 50/50, you would be entitled to claim for 50% of your accident repair or car hire costs and 50% of any personal injury settlement.

Q: What does non-fault accident mean?

A: This simply means that you were not responsible for causing the car accident.

Q: I have had a split liability car accident, can still I claim for my injury?

A: Yes. You can claim for the proportion you are entitled to. Call us on 0330 053 9996 for free advice.

Can I Make A Claim?

No one should suffer financial hardship following a non-fault accident.

Scottish Accident are here to help.

Find Out if You Can Claim