Driving abroad? Think you are insured? Think again?

Most of us nowadays look for more than just sitting on a beach on holiday and many of us like to hire a car so that we can explore. But what happens if you are involved in a car accident abroad and it is your fault? Insurance cover is always offered as part of the car hire package and often described as fully comprehensive with various other options, often known as collision damage waiver where we are invited to pay an extra sum of money to extend our insurance cover.

We are all familiar with the expression “read the small print”. This applies more than ever to insurance contracts which we are often asked to sign without really being given the chance to read them in detail and even more so whilst on holiday when we are in holiday mode and wish to leave behind at home such mundane and uninteresting matters such as insurance.
Be warned!

Accidents do happen. They are usually someone’s fault. It could be yours. The insurance cover that you are offered with your hire car may not cover you where an accident is or may be your fault and you may be left facing, not only a large repairs bill for your hire car, but also a claim by someone you may have injured in the process.

We all have those moments of inadvertence and thankfully, for most of the time there are no consequences. However, that moment of inadvertence is legally known as fault and if there are consequences and you injure someone you may be facing a huge claim for damages. This may be because their injuries are severe or it may be that their injuries are not that serious but they can no longer pursue a lucrative career (professional footballer)!

I have been a Solicitor for 24 years and for the past 20 years I have specialised in personal injury claims being a Member of the Law Society’s Specialist Personal Injury Panel. I therefore deal with insurance cover all the time and am somewhat obsessive in checking “the small print” when it comes to insurance cover.

I know from my experience with car hire in Majorca, Spain that extra cover is required to ensure that I am not going to be landed with a bill that could ultimately spell financial ruin for me.

If you would like to discuss any concerns that you may have in relation to insurance cover or indeed any claim that you currently have or you feel you may have for compensation arising out of injuries sustained in an accident then please do not hesitate to contact me or one of my colleagues at Jordans Solicitors in Dewsbury, West Yorkshire.

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