RTC – Road Traffic Collisions

Collisions cause distress, inconvenience & financial hardship.  Our role is often to quickly obtain, collate and present information in a manner that will enable an insurer to make an informed decision.  We need the assistance of all involved to achieve this and ensure prompt settlement can occur.

Collisions give rise to all manner of issues that can lead to friction between the parties, for example:

  • liability – who was at fault
  • injury – the pain and discomfort that may  follow
  • loss of no claims ‘bonus’ or ‘discount’ or the need to pay an excess
  • the extent of the repairs and whether these have improved the vehicle
  • whether the vehicle is to be written off and a replacement will need to be found
  • eligibility to a hire car

Following a collision, in the background, a well-oiled machine, operated by experienced staff are trying to ensure every claim is progressed with the minimum of inconvenience to all.  Recovery agents, engineers, storage facilities, and repairers are working to resolve claims.

Collision statistics of ‘reported road casualties in Great Britain are only accurate where a fatality or serious injury occurs.  Most impacts are not recorded by constabularies who simply refer the parties to their insurers.  The statistics to the end of September 2016 show a worrying 6% increase*:

  • 23,350 seriously injured            almost 64 every day
  • 1,810 killed                               about 5 every day

*source:- Reported road casualties in Great Britain: quarterly provisional estimates year ending September 2016

“The problem of claims arising from ‘hit and run’ accidents now exceeds those arising from uninsured driving. In 2016 there were 15,846 ‘hit and run’ claims reported against 11,198 uninsured. In fact, the Department for Transport statistics shows that in just over 12% of road traffic accidents reported to the police where someone is injured (17,122), a ‘hit and run’ driver is involved.”**

** source:- MIB report 2016

Do not underestimate the complexities of even what may appear to many to be a straightforward two-vehicle collision.  There is much to consider and CMA has long been aware of this, pursuing enequires of each facet: