Q – What if my vehicle is ‘written off’ in the accident?

A - Sometimes, particularly with older vehicles, the damage caused in the accident can be such that it would not be economical to repair the vehicle eg your car is only worth about £500 and the cost of repairing it would be £1000. The other drivers insurers are only obliged to pay you the lesser cost ie the value of your vehicle as it was immediately before the accident. In this circumstance, we will arrange for your vehicle to be inspected by a fully qualified independent assessor who will provide us with a report and valuation of your vehicle. If you are happy with the valuation he has estimated, then we will use his report to recover that cost from the other insurers. If you disagree with his valuation then at your own cost, we will arrange for a report from a different engineer but if his valuation does not differ from the first engineers valuation then you would be left with the cost of the second report as we would not be able to recover two engineers fees from the other insurers.

Q - I have suffered a personal injury as a result of a motor accident and wish to make a claim but am unsure of how to go about this without solicitor fees being deducted from my compensation.

A - If you or your passengers have suffered personal injury as a result of an accident that was not your fault advise GMC immediately. We will recommend you to one of our panel of specialist personal injury solicitors. Whichever member of our panel of solicitors acts for you, you can rest assured that you will receive 100% of the damages awarded to you, without any deductions.

Q - Who pays the solicitors fees?

The solicitor will act for you using a Conditional Fee Agreement which is explained fully in the Personal Injury section under ‘Services’. The main point to understand is that you will not have to pay a penny in fees to the solicitor.