If you are the victim of a road accident , whether you are a pedestrian, passenger or driver of a car, motorbike, scooter or bicycle , you will be compensated. However, the compensation for bodily injury is not the same according to the different profiles. It also responds to a very specific approach. Discover the steps to follow following an accident and how the compensation process works.
What are the steps for compensation for bodily injury caused by a road accident?
First of all, if the situation allows it, it is preferable to fill out an accident report at the scene of the accident. Then contact your insurer to declare the accident within a maximum period of 5 working days after the date of the accident.
You must also send your insurer a medical certificate or a certificate of hospitalization , a work stoppage, possibly a letter listing the damage suffered and an example of the amicable contract if it could have been made at the time of the Best Car Accident Claims Company in Scotland.
You will then be subject to a medical examination : the assessment of your bodily injuries will be based on a “document notice” for minor injuries . But you can also be the subject of a medical expertise . If the insurance wants this expertise to take place, you cannot oppose it.
This medical examination will give rise to an expert report . It is he who determines the nature and extent of bodily injury and thus the amount of compensation .
If you have to undergo a medical examination, you will receive a summons from your insurance company two weeks before the date on which it is fixed. You can be assisted by the doctor of your choice during the expertise .
The doctor in charge of the expertise, who is not the one assisting you, then writes an expert report which he then sends to your insurance. You will be able to read this report within 20 days.
If necessary, a new expertise will be carried out after the consolidation.
Your insurance is then obliged to offer you a compensation offer within 3 months of your request. This period can be extended by an additional 5 months if your case is complicated and determining who is responsible for the accident or assessing your damage requires additional time.
You can then accept this offer , but if you feel that the amount is not high enough to fairly compensate your bodily injury, you can request a review from your insurance or go to court .
In order to obtain optimal compensation for your damage from the first insurance proposal, or if necessary before the court, it is advisable to be accompanied by a lawyer specialized in road accident compensation .
