Do I have to use my insurance solicitors?

Insurance companies sometimes try to refuse paying ‘freedom of choice’ solicitor’s legal fees on the grounds that they are higher than the fees charged by their own panel solicitor.

Do I need to inform the insurance company?

Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened.

Can an insurance company settle a claim without my consent UK?

When it comes down to whether or not your car insurance company can settle a claim without your consent, the short answer in most cases is yes.

Do insurance companies check with DVLA?

While providing a copy of your driving licence and other documents may be a minor hassle, insurers have a legitimate reason for carrying out a DVLA licence check. In fact, ensuring all policyholders provide full and accurate information regarding past convictions and penalties can actually save you money.

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Do I have to tell insurance about Ban?

If you’ve been disqualified from driving you must inform your insurer straight away. You’re technically in breach of your car insurance contract as you no longer hold a valid licence.

Do insurance companies try to get out of paying?

Insurance companies will seek to decrease or eliminate payments for injuries caused by an insured person’s actions. After becoming injured, victims of accidents want nothing more than to move on from the traumatizing experience.

What happens if you don’t respond to insurance claim?

Contact your insurance company

If the other party’s insurance company does not respond, you may be able to get coverage through your own insurance company. If you have collision coverage, you may be able to get reimbursed for the cost of repairing your car.

Should you accept the first offer from an insurance company?

Unless you have taken independent legal advice on the whole value of your claim, you should not accept a first offer from an insurance company.

What happens if I don’t tell my insurance company about points?

What are the consequences of not declaring points? If you do not declare your points to your insurance provider, it could leave your cover invalid. If you make a claim, your insurer can choose not to pay out, leaving you with some very expensive fees.

Do insurance companies check your details?

Insurers tend to check that the information they’ve been given is true when a claim is made, rather than when insurance is taken out.

Will 3 points on licence affect insurance?

However, bearing all that in mind, research suggests three points could raise a driver’s car insurance premium by an average of 5%, while six penalty points could push the cost of insurance up by an average of 25%.

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Will my licence be clean after a ban?

If a driver ‘tots up’ 12 penalty points or more through a series of offences over a three-year period, they could get a driving ban. The mandatory guideline is that under the totting up system, when a ban comes to an end, a driver’s licence is returned, their slate is wiped clean and all points are removed.

Can you drive after being disqualified?

If you have been disqualified for 56 days or more, you must apply for a new driving licence before you start to drive. By law, you cannot apply for a driving licence before your disqualification period has ended.

What happens if you don’t declare driving convictions?

You must declare unspent convictions if you’re asked, but if you get a conviction during a policy, you don’t have to tell your insurer until you renew, unless your policy wording says otherwise. If you don’t disclose your unspent convictions at renewal, or when buying a new policy, then your insurance is invalid.