Best Car Insurance Overview

When you are searching the market for the best car insurance, you may be worried about whether your cover will insure you for all types of loss to your vehicle. However, another thing to consider is whether you will receive the full help that you will need if you are injured as the result of an accident. It is estimated that as many as 10% of drivers in some areas currently use the roads without a driving licence, and these drivers are far more likely to injure other road users than those drivers who have taken the time to learn to drive legally and safely. The recent tragic case in Bradford is an example of a driver holding only a provisional licence being prosecuted for death by dangerous driving. The driver was travelling at almost 60mph in a 30 zone and was responsible for the deaths of two young passengers in the car with him.

In this case, if those who died in the accident had lived, it would have been unfair to have expected them to have had any form of insurance to enable them to have received compensation for their injuries. What many people do not realise, however, is that the same applies to other drivers on the road - most personal injury claims are dealt with outside of your normal insurance, and are handled privately by legal specialists.

Best Car Insurance - Other Circumstances

If an injury was sustained within the last three years, anyone, whether a driver, passenger, pedestrian or cyclist, injured as a result of another road user is able to claim compensation. If the driver does not have any insurance, as was the situation in Bradford, then a claim can still be made via the Motor Insurers Bureau (MIB). This is a body set up by the best car insurance providers, into which payments are now made by every insurance company. The MIB then acts in place of the guilty party in relevant cases, enabling innocent victims to still make a claim.

Even if it is not possible to prove that an individual was at fault, for example if the accident was as a result of a poor road surface, then a claim may still be made against the Local Highway Authority, which has a statutory duty to make sure that roads are in a safe condition.

Best Car Insurance - Extra Precautions

There are now a range of companies to choose from if you are looking to make a personal injury claim against another person's insurance, who will often operate on a 'no win, no fee' basis, or a '100% compensation' basis. To do this, the solicitor or personal injury company will have to assess the likelihood of your claim being successful, and they simply make a claim for your compensation and a separate claim from the guilty party for their costs. However, the best car insurance will often include legal cover, which helps to pay for legal expenses relating to certain claims you make outside of your policy, which means you do not necessarily have to find a solicitor to work 'no win, no fee', as the insurance may be able to pay the legal expenses.

Visit www.car-insuranceuk.com regularly for the latest and best car insurance news and links to the best car insurance providers. Please follow the links on this page to obtain your own personalised best car insurance quote and make your own comparison.

© April 2009