Many personal injury claims are dealt with by solicitors acting on a “no win, no fee” agreement. The solicitor only gets paid at the end of the case and only if you win (which would include “out of court” settlements). The solicitors firm gets paid most of its fees by the defendant or their insurance company.

The appraised value of your property is the value when the appraisal was made. Your property may have lost value since your last appraisal as a result of poor maintenance or depreciation.

For an insurance policy to respond the cause of damage generally has to be as a result of a sudden and accidental event.

Many insurers chose not to cover damage caused in this manner as the claims frequency would be too high and make premiums uncompetitive.

The insurance company will pay you the market value of the vehicle at the time of the accident.

Because the involvement of credit hire companies tends to inflate the cost of claims to the detriment of all policyholders through increased premiums.