Shouldn’t I just leave things in the hands of my car insurance company?

NoWinNoFee.com is a claims management company that helps people claim compensation for an accident or injury that wasn't their fault

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    How No Win No Fee Works

    With no win no fee agreements (also known as a Conditional Fee Arrangements, or CFAs), there are no upfront legal fees, which means anyone who has been involved in an accident that wasn’t their fault can gain access to justice without any financial risk. Your solicitor only gets a fee if your claim is successful. If your claim isn't successful, you won’t pay your solicitor any legal fees.

    If your case is successful, typically you will pay 25% (including VAT) of your compensation to your solicitor, although they will discuss any fees before starting your case. To ensure your claim is risk free, your solicitor may take out an insurance policy on your behalf. If you terminate the agreement, you may have to pay fees for the time already spent on your claim, or due to: lack of cooperation, misleading your solicitor, missing medical or expert examinations, or not attending court hearings.

    There are some instances where you are not required to use the services of a claims management company, and are able to claim yourself, for free, directly via the relevant ombudsman/compensation scheme. These include:

    - Criminal injuries: The Criminal Injury Compensation Authority (England, Wales, and Scotland) or the Criminal Injury Compensation Scheme (Northern Ireland)

    - Minor road accidents: The Official Injury Claim Portal

    - Accidents involving uninsured drivers: The Motor Insurers' Bureau

    Shouldn’t I just leave things in the hands of my car insurance company?

    Being involved in a car accident of any kind is a distressing and stressful event. Most people who’ve suffered in this way will be able to tell you that the problems can be psychological as well as physical, with injuries which are often regarded as ‘trivial’, such as whiplash, leading to depression, feelings of isolation and unpleasant flashbacks to the event itself. In many cases, the victims’ first instinct may well be to simply get on with their life and try not to think about the accident at all. To this end, many people might feel that it is best to simply leave things in the hands of their insurance company, and that launching a claim for compensation will be more worry and trouble than it’s worth.

    There are two problems with this attitude however. The first revolves around the issue of fairness. If you’ve been injured because someone else was acting in a negligent manner, then it’s only fair that your suffering should be kept to a minimum. On top of any immediate affects, you may also have to pay money out for things like travel expenses and medical treatment, as well as losing money due to time spent off work. It’s really not fair that you should have to shoulder this burden yourself, and the knowledge that the guilty party are doing their bit to help you put your life back together will help to restore your sense of fairness and natural justice.

    The second problem with taking the view that your insurance company can get on with handling things is that working with an experienced personal injuries lawyer will make things less, rather than more, difficult. They’ll take down every detail of your accident and advise as to whether you’re in a position to make a claim. If you are they’ll build the strongest possible case, working on a no win no fee basis and handling things such as paperwork and statements on your behalf.

    If you’ve been injured in a car crash then you’ve already suffered, and every step you can take to alleviate that suffering is surely sensible. A claim for compensation will ensure that you don’t undergo financial pain on top of everything else, whilst allowing you to plan for the rest of your life.

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