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Motor Legal Protection refers to the assistance from the legal expenses that are the result of an accident that was not your fault. It includes damage to the vehicles in possession and any personal injury. It is a method by which an individual can minimize the loss and inconvenience caused to them due to an accident. In other words, it is insurance to protect your vehicle and your life from any motoring accident.
Details about motor legal protection in the UK
In this type of insurance, all the uninsured losses are taken care of that can be policy excess, personal belongings and loss of earnings. This insurance is an addition to your already existing insurance policy. Under this policy, the person who is at fault also needs to pay for the medical expenses and loss of income if the other party is left in a condition in which they are unable to work.
Concept of motor legal protection
The advantage of Motor Legal Protection is that although people receive compensation for their uninsured losses it takes too much time, with the help of Motor Legal Protection, people have a guarantee that they are engaging a professional lawyer for their claim settlement. Under Motor Legal Protection, the insurance provider should help you in claim settlement of any claim that is under the provisions of the insurance policy.
Various companies in the country do not charge a fee for taking up your claim and providing assistance on the same but these companies have a disadvantage that there is no guarantee by the company for the acceptance of your claim. But because of Motor Legal Protection, every person in the UK can assure that they will get 100% compensation for their claim if their claim is acceptable under the policy.
Under the motor legal protection policy, people get compensation for any belonging that they lost in the accident, the medical expense of every treatment including the private hospital bills and the physiotherapy. The insured will also get the expenses that occur due to travelling with public conveyance if your vehicle is not in a working condition because of the accident. If the insured gets temporary or permanently disabled, then the other party will also compensate for the loss of earnings that the insured suffers.
Importance of motor legal protection claim
Though taking a motor legal protection policy is not a legal requirement, it can be useful if people take that policy as it covers the uninsured losses and also reduces the losses and expenses an individual suffers have an accident that did not occur because of their fault. Also, the claim settlement procedure in court is a time-consuming process but this policy minimizes the time and efforts of the insurer.
People after understanding the concept of Motor Legal Protection policy usually prefer to take the policy over other policies because it is a policy that provides you compensation for every uninsured item also and also for the excess medical expenses that occur due to an accident and you can get your vehicle back on road with minimum or no loss.
There is an assumption that cases in the court take a huge time to settle down so are mostly time-consuming but the claims under motor legal protection policy are usually not time-consuming as the legal professionals that you engage tries to negotiate the case with the legal professional of the opposite party and in most of the cases the negotiation is successful, so these claims are not presented in the court and hence they become less time-consuming and easy to settle.
Rejection of claim
There is a possibility of rejection of your claim due to various reasons. If the amount of your claim is more than the actual amount you can achieve from the other party, then there are chances of rejection of your claim. If the funding of medical expenses is available from elsewhere, then also your claim will face rejection.
There are chances of rejection also if the chances of winning the claim are not 100% as the lawyers don’t prefer such claims. In the procedure of accepting a claim all the legal requirements are checked if the driver was not drinking alcohol or taking drugs, driving without proper vehicle documents or made any violation of the road rules. In such cases also, your claim is not acceptable.
The procedure of filing a claim
To make a motor legal protection claim, you need to contact your insurance provider and he will pass all your required details to the motor legal department. You can also contact the legal team and register your claim by the legal helpline number that the insurance providers provide. The insurance provider then settles the medical expenses that are to be settled under the Motor Legal Protection Policy.
Before the legal proceedings, the insurance tries to negotiate with the person at fault. If the negotiation is not successful then the insurer hires a lawyer for your claim. The insurance provider should ensure that the lawyer provides legal services professionally and he works under the laws of the country. The insurance provider should evaluate your chance of succeeding as there is no 100% chance that your claim will get a lawyer as lawyers prefer claims in which they have more chances of succeeding.
There are various companies in the UK that provide you assurance of your claim success and receive the full compensation amount. They also help you to reduce the prosecution costs in court. Also, people before taking the Motor Legal Protection Policy should check the banking paperwork as some banks offer this policy to the current account holders. Some insurance policies now cover the Motor Legal Protection Policy under their contact, so people should confirm from the insurer about the same.
Under any normal insurance policy, the insured gets compensation for the insured things only. But now, with the help of the Motor Legal Protection Policy, people of the UK can get 100% compensation for their uninsured items also.