It seems as though the road accident injury situation is improving in the UK. The Claims Connection states that the numbers have been falling for all types of road accident injury, including: fatalities, serious injuries, and total casualties. However, if you have caused a road accident injury to someone else, you need to know how you will be covered and protected.
It has been law in the UK since 1930 that every person who drives a vehicle must have, at the minimum, third party personal injury auto insurance. This sort of insurance covers you for the claims made by others for bodily injury or property damage that your vehicle causes, whether you or someone else was driving your registered vehicle at the time of the road accident injury. Note that all legal auto insurance sold in the UK includes this basic form of cover; however, many policies have additional added benefits available as add-ons.
Third party personal injury cover must pay for all of the costs that you would be responsible for paying, considering your property’s role in the road accident injury. This type of cover will also pay for any legal costs you owe the person involved in the road accident injury.
It is the person driving the vehicle, if (s)he has permission from you, the policyholder, that will be “covered.” For example, an article by Terry Cod called UK Third Party Car Insurance – What’s Covered states this example: If you’ve given permission to someone else to drive your car, you are the passenger, and the driver causes an accident, “your third party insurance policy would ‘indemnify’ the driver, not you. You would end up with the money.” Remember, however, that if this driver sustained a road accident injury or subsequent death, “then your insurance company would not be liable for any claim.”
The take-away from this information, in case of a road accident injury, is to make sure that you are insured. Keep current on your payments and read the information your provider gives you to understand the ins and outs of your particular policy.