Existing Claims
What
are uninsured losses?
No
Injury Involved?
Injury
Involved?
Present
Position
Injuries
Legal
Proceedings
Uninsured Loss Recovery
What are uninsured losses?
Uninsured losses are any items which are not covered by your
insurance or loss and damage protection cover. For example your excess, hire charges,
taxi/bus fares, loss of wages or injuries.
You are obliged to try and keep all losses and expenses resulting
from the accident to a minimum. We would advise that you retain
any documentary evidence to support your uninsured losses eg taxi
receipts
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No injury involved?
In cases where you have had an accident and no injury is involved,
Royal & SunAlliance Motability will attempt to recover any
uninsured losses provided that it has been possible to identify
the person who caused the accident, and their Insurance Company
accepts liability.
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Injury involved?
If you have had an accident and there has been an
injury to (or death of) any occupant in your car, your
claim will be handled by our External Claims Service Provider who specialises
in such claims.
Cover includes up to £50,000 for legal expenses.
If you have instructed your own solicitors as a result of the
accident please note that you are entitled to legal representation
under your insurance cover, please contact us on 0500 373737
for further information.
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Recovery of Uninsured Losses
Recovery of Uninsured Losses may take some time, and on occasions,
delays can occur. Below are some examples of when delays may happen:
The
person who caused the accident does not respond to our letter
or telephone calls
The
person who caused the accident is not insured or refuses to tell
us who their insurers are
The
other insurance company fails to respond to our letters or telephone
calls, or does not accept that their Insured was at fault
Witnesses
to the accident have not provided a statement.
Uninsured Loss Recovery can sometimes be a lengthy process and
cannot always be guaranteed to provide a recovery. We appreciate
that delays in securing the recovery may lead to frustrations,
however, you can be assured of our commitment to recovering your
losses and to represent your interests in the most professional
way possible.
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Present Position
To find out the current position please telephone us on 0500 373737 quoting your claim
number or policy number (the policy number can be found on your
Certificate of Motor Insurance).
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Injuries
If you are Motability Hirer, driver or passenger and have been
involved in an accident that wasn't your fault and have sustained
injuries please refer to our section on Uninsured Loss Recovery.
If however an accident has occurred where you are partially or
fully at fault and there are person(s) injured you must contact
us immediately on 0500 373737.
What can we do if an injury claim is made against you?
If you receive correspondence from an injured party or their representative
please contact us immediately on
0500 373737 so that we can deal with any issues
on your behalf. Once we are aware of the claim we will:
Provide
a Personal Injury Claims Handler to deal with your claim
Provide
independent legal representation when necessary to resolve negotiations
Assist
with the rehabilitation of the injured person.
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Legal Proceedings
Should you receive court papers as a result of an accident, please
contact us immediately on 0500 373737 quoting your claim
reference or policy number.
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