Accidents happen
Accidents do, unfortunately, happen and it is nice to know
that your insurance covers any expenses you are entitled
to pursue. Or does it? When you see what's missing you'll
want the peace of mind that Composite Legal Expenses can
offer you. Providing there are reasonable prospects to pursue
the other party.
How does Accident Care work?
Composite Legal Expenses acts as your own personal legal
department. The service will negotiate with third parties
to recover any of the following losses for you. All legal
fees and costs are met by Composite Legal Expenses up to
£50,000 per claim.
Who pays the excess?
Your fully comprehensive policy may carry an excess. Composite
Legal Expenses seeks recovery of that excess should a claim
be made.
Motor accident repair costs
If your policy is Third Party Fire and Theft or Third Party
only, Composite Legal Expenses will negotiate recompense
for repairs to your vehicle.
Where an accident is clearly not your fault and where you
have full details of the other person and their Insurers
we can usually appoint a garage for you and arrange repairs
immediately without you having to pay a penny as we recover
directly from the other party (see 'Repairs/car hire facility
qualifications').
Clothing and personal effects
Your insurance policy may not cover loss or damage to clothing
or personal effects. Composite Legal Expenses will negotiate
on your behalf.
Out of pocket expenses
Extra travel fares enabling you to complete your journey
are an example of out of pocket expenses which can be recovered.
Car hire/loss of use
We will recover the cost of hire of alternative transport
whilst your vehicle is repaired. If you are involved in
a motor accident which is clearly someone else's fault,
we will provide you with a replacement vehicle to put you
back on the road (see 'Repairs/car hire facility qualifications').
Vehicle recovery and storage charges
Recovery of these costs which can be expensive if your vehicle
is damaged far from home and is stored pending inspection
which you have to pay for.
Medical fees
Recovery of costs for medical assessments required to pursue
any personal injury claim.
Personal injury or death?
Legal expenses support to enable you or your personal representatives
to claim damages for yourself or your passengers.
Territorial limits
Accidents which occur in the United Kingdom and Western
Europe.
Repairs/car hire facility qualifications
To qualify you must:
a) Be clearly not at fault for the accident
b) Provide full details of the other person i.e.
(i) name and address of owner and driver.
(ii) name, address and relevant policy number of the third
party motor insurers.
(iii) make, model and registration number of the third party
vehicle.
(iv) the accident circumstances on a Composite Legal Expenses
claim form.
c) Agree to our arranging an inspection of your vehicle
and for repairs to take place at a garage of our choice.
d) Agree to the recovering of cost from the other party.
Solicitors may be appointed to act as necessary.
e) The accident must have occurred in Great Britain, The
Isle of Man or the Channel Islands.
f) The age and licence requirements of the hire provider
must be met.
g) If comprehensive insurance is held the vehicle must be
repaired or reinstated under the terms of the policy.
The type of car provided and the choice of hirer used will
be subject to availability and at the discretion of Composite
Legal Expenses.
There is no pre-set limit as to the repair cost or hire
period which will depend on the accident and other circumstances.
Normally a vehicle can be provided for the full repair period.
Please note that any repairs or car hire costs incurred
without specific instructions from Composite Legal Expenses
claims department are not covered under this scheme.
Underwritten by Groupama Insurance Company Limited.
Composite Legal Expenses, Suffolk House, Trade Street,
Cardiff CF10 5DT. Tel: 0871 423 5240 Fax: 029 20222044.
