The following PI & Clinical Negligence practice note provides comprehensive and up to date legal information covering:
When considering potential losses in a claim arising from a road traffic accident, the following factors should be taken into account:
loss of insurance excess
loss of no claims bonus
insurer’s outlay less the claimant’s excess (ie cost of vehicle repairs where the car can be repaired economically or the market value of the vehicle less its salvage value where the vehicle is written off)
hire charges (for further information, see Practice Notes: Credit hire—an introduction, Credit hire—common liability issues and Credit hire—disputes on quantum)
miscellaneous expenses, ie those incurred in managing the consequences of the accident, such as telephone calls to the claimant’s insurer, postage expenses etc (note that expenses incurred in bringing the claim are costs rather than damages)
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