Direct Line Van Insurance: Legal Protection

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If you have a road traffic accident involving your van that is not your fault, you have a right to be able to claim back your uninsured losses from the driver responsible.
The hourly rate for a qualified solicitor or legal executive’s costs is likely to be in excess of £100. For less then £1.75 per month, our legal protection cover will provide up to £100,000 of legal costs to help you to recover losses that cannot be claimed from any insurance policy.

(Information taken from the 2005 Guide to the Summary Assessment of Costs. Source: www.courtservice.gov.uk)

Examples may include:


Compensation for death or injury
Your van insurance excess under your comprehensive policy
Accident repair costs if you do not have comprehensive cover
Damage to your clothes, luggage or personal belongings if you do not have comprehensive cover
Hire van costs
Loss of earnings
This cover also provides protection for any one else authorised to drive or use the van and for any authorised passengers.
The solicitor acting for you will handle all aspects of your claim such as locating a specialist (i.e. a medical expert) should this be necessary as a result of injury resulting from the accident. The specialist charges will be met by this legal protection policy.
The appointed solicitor is regulated by the Law Society and, should you choose to appoint one of our solicitor’s, they will also have to operate under our own high service level protocols – ensuring that you receive the professional legal service you would expect.
All in all providing you with peace of mind and a hassle free solution when you need it most

Our uninsured driver promise


If you make a claim for an accident that is not your fault and the driver of the vehicle that hits you is not insured, you will not lose your no claims discount or have to pay any excess.

Conditions

We will need:
the vehicle registration number and the make and model of the vehicle; and
the driver's details, if possible.
It also helps us to confirm who is at fault if you can get the names and addresses of any independent witnesses, if available.
When you claim, you may have to pay your excess. Also, if when your renewal is due investigations are still ongoing, you may lose your no-claim discount temporarily. However, once we confirm that the accident was the fault of the uninsured driver, we will repay your excess, restore your no claims discount and refund any extra premium you have paid.
This promise is for comprehensive policyholders only.
Link to previous articles : Direct Line Van Insurance: New improved Van Insurance
Direct Line Van Insurance: Types of cover
Direct Line Home Insurance: Legal problems & your rights
Direct Line Home Insurance: Family legal protection
Direct line Home Insurance Claims FAQ
Direct Line Home Insurance: Insurance claim
Direct Line Home Insurance: Summary of cover
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1 comment:

accident at work said...

as a professional rally driver, here is the best advice i have to offer on how to avoid a serious spinal injury should the worst happen when you are driving. As you can imagine, i have the odd accident at work, and my co-pilot told be that if i am seated with my bum right in the corner of seat and my back against the back rest from bum to shoulders (i.e with the spine in an upright, supported position, then should we have a crash, or have to stop suddenly, the damage to my spine will be minimal. I haven't had another accident at work since he told me this, but next time i do i promise to update you guys and let you know how the spine was after!