Your car insurance policy generally covers you against most costs if you damage something or injure someone when driving but what if you need to go to court following an accident or a dispute over whos to blame.

Do i need personal injury cover on car insurance. Personal accident cover will protect you the driver if you suffer a serious injury while in your car. Comprehensive car insurance - also known as fully comprehensive - covers damage to yourself your car as well as compensating a third party if you are involved in an accident. Personal accident cover offers compensation for injury or death after a car accident when you cant claim from a third party.

Your car insurance policy should cover claims for damage to your vehicle but you might need to take legal action if you face other costs. Normal auto insurance does not cover personal injury claims because this situation crosses over into legal grounds that deal with injuries that exceed what your insurance covers. Some comprehensive car insurance policies include a level of personal accident cover as standard but you can add extra protection to boost the level of cover you get.

Join Over 940k Customers Correct at Apr 2021. Gather all the details you can following an accident and contact your insurer as. Personal Injury Protection or PIP pays for a policyholders medical bills and the partial loss of wages after an accident.

Ad Our Claims Team Are Available 247 365 Days A Year For You New Claims Only. What the personal accident add-on does is enhance this level of. These are known as uninsured losses.

This means that if you have an accident you can claim to have your car fixed and your insurance provider may also compensate anyone else involved if eligible. Ad Award-Winning Personal Injury Solicitors With Nationwide Coverage - Call Us Now. Motor Legal Protection is designed for use in motoring-related claims so you cant use it to cover legal expenses for anything that falls outside the motoring arena like a boundary dispute with your neighbour a personal injury claim after a trip or fall or employment disputes.

Many life insurance and fully comprehensive car insurance policies will include personal accident cover but not all will. The loss of sight and hearing and limbs are. Essentially motor legal protection could help to cover the cost of your fees if you need to take legal action against another driver or road user.