Podcast 2 – RTA – What happens next?
After you have been involved in an RTA you will be contacted by a number of different people.
- Who may call?
- The other driver’s insurer – they may call you if you have given your details to the other driver and enquire about the circumstances of the accident, ask you if you are injured, any damage that has occurred. The best advice here is, to be honest with the insurance company about how you are feeling at the time. You may feel fine in the aftermath of the accident, but the first you feel pain may be at a later time. This is normal in conditions such as whiplash. The insurer may even offer you services such as a courtesy car whilst your vehicle is being repaired. If you have already instructed Watermans at this stage, it’s best to direct the third party insurers to us as your representatives. We can answer any questions they have and can advise you on any offers they make regarding courtesy cars, treatment, etc.
- Claims Management Companies – these companies can get your information and details in various ways and will all be looking for you to sign up with them. If you have already instructed Watermans to act on your behalf, you must tell anyone who calls you that you already have solicitors acting and pass Watermans details onto the caller and tell them to phone us.
Claiming with Watermans
- The first point of contact will be with the first response. This is a dedicated team who speak to people who have been involved in accidents all day every day. You are not alone and will be there to aid and assist you. A member of the team will ask you a series of questions that will allow them to build a picture of your claim and the circumstances of the accident.
They will ask general questions such as:
- the circumstances of the accident,
- the exact location of the accident
- who was traveling in your vehicle,
- who was in the other vehicle,
- details you exchanged at the scene and the attitude of the other driver.
2. They Will ask you about your injuries and how you are feeling. Will also ask if you have sought medical attention with regards to your injuries
- To aid in your recovery from your injuries, First Response can organise physiotherapy sessions if you feel it would be beneficial. These sessions will be of no cost to you as the cost of this will be included in your claim and recovered from the third party insurer. Sessions are arranged as close to your home as possible and at a time that suits you. Even if the claim is not successful then you will not have to pay for this service.
3. The First Response team will explain the claim process going forward and discuss with you the fact you need to be medically examined
At the end of the call, the First Response team will take some contact details for yourself and will register your claim on our system. They will then either send you out forms, authority mandates and terms of business for you to complete in your own time and return to us. Or alternatively, they will arrange for someone to come to a location convenient to you and fill out all the necessary paperwork for you. These agents are purely for filling out the paperwork and will not give you any comment on your case or any legal advice.
You will be contacted by a file Handler
- This will be the person who will deal with your claim going forward and will be your point of contact at Watermans.
- If your car has been damaged in the accident and has unfortunately become undrivable, your claims handler will arrange for either an engineer to inspect the vehicle at your home address or arrange a local garage to come and collect the vehicle.
- If your car is driveable, we can arrange for you to take it into a garage that is as close to your home as possible. An engineer will inspect your vehicle on-site and the garage will then keep you updated with the status of the repairs.
- It may also be possible for Watermans to arrange a vehicle for you whilst you are off the road through one of our partners.
- Once an engineer has carried out their report on your vehicle, either one of two outcomes will be reached. Either your vehicle will be deemed repairable or it will be a total write off if the cost of repairs exceeds the value of the car.
- If your car is a total write off and liability is admitted by the third-party insurer, then you will be awarded a cheque for the total loss that will be the market value of your vehicle at the time of the accident. This may also be paid on a Wop basis.
- If your car is repairable, once the repairs have been carried out you will be required to return the hire vehicle and collect your vehicle from the repairing garage.
- The process with your vehicle is usually quicker than your claim for personal injury.
If you have been involved in a road accident – and you feel sure it wasn’t your fault – you should contact Watermans Solicitors as soon as possible. Our expert accident solicitors can help establish whether you have a valid claim and advise on how much compensation you could be entitled to.