third party insurance

corktina

as a generalisation what cover would TP and TPFT give you were you to have an (own fault) accident and get seriously injures or enmired in Legal proceedings.? Would I be correct in believing you would need comprehensive to get legal and medical expenses paid?

Otis Driftwood

Its a common misconception that if you have comp cover you are covered for your own injuries or legal expenses as a result of a crash where you are involved in a single vehicle incident.

This is not the case.

A general rule of insurance is that you cannot claim off yourself.

Now some companies offer extra cover for things like legal expenses (max Ive seen is 5k) or personal injuries/medical expenses (max Ive seen has been 1k) as additional or optional benefits on a comp policy but in general you arent covered at all for them.

So of course a TPO/TPFT policy wont cover you either.

corktina

corktina wrote: »

as a generalisation what cover would TP and TPFT give you were you to have an (own fault) accident and get seriously injures or enmired in Legal proceedings.? Would I be correct in believing you would need comprehensive to get legal and medical expenses paid?

None.

I've never had anything but 3rd party f&t, well except for when I had a company car, I presume that was comp.

I do have VHI though.

corktina

so if you damage yourself you would have no cover for legal and medical in the normal run of things. Thats what I was musing about. thanks for the answers.

SO the extra you get with Comprehensive would really just be to cover damage to your vehicle if you crash it yourself.

corktina

corktina wrote: »

so if you damage yourself you would have no cover for legal and medical in the normal run of things. Thats what I was musing about. thanks for the answers.........

I can't think of a reason why you would require legal cover after damaging yourself really in a one car own fault situation. I may well be completely on the wrong train of thought though.

dicknorris

You can't sue yourself for crashing your own car

corktina

what if you crashed through a house front perhaps?

in other words, if sopmeone wasa sueing you as a result of you crashing.

MugMugs

RoverJames wrote: »

I can't think of a reason why you would require legal cover after damaging yourself really in a one car own fault situation. I may well be completely on the wrong train of thought though.

Own Damage or "Single Vehicle Accident" could also involve a house or a wall etc.... This is where legal cover would be handy.

OP

Third Party (very rare nowadays) is about a step above the legal requirement of the Road Traffic Act.

It WILL cover you for any legal proceedings brought by a Third Party etc etc...

You can when obtaining a quote from your insurer, request "Personal Accident" Insurance. This is not a liability policy as your car insurance would be but would be more of a "Benefit Policy" Quite like Windscreen cover or breakdown assistance.

With Personal Accident, in the event of injury, loss of limbs, death etc etc then you will be compensated a certain amount specified within the policy for no more than 104 usually with a 4 week excess. Obviously if you die, it will be a bulk payment to your next of kin.

corktina

MugMugs wrote: »

Third Party (very rare nowadays) is about a step above the legal requirement of the Road Traffic Act.

It WILL cover you for any legal proceedings brought by a Third Party etc etc...

.

ahh now we are getting there...