No Other Person’s Involved
If you are unfortunate enough to be involved in a road traffic accident you maybe at a loss about what to do next. Firstly it is important to establish where the fault lies if there was just you the driver involved in the whole incident then the first point of call would be to let your insurers know if you want to make a claim and have your insurers deal with the incident. If the damage is not so bad and you feel that you have the funds you may want to get the car fixed yourself and that way your no claims bonus will not be lost.
If Other People Were Involved
If the accident consisted of other drivers and there was a collision between two cars or more firstly it’s important to ensure that people involved are safe and if injured the necessary medics have been called maybe the police, the next would be to take picture of how the cars have ended up as you may need evidence to back up any case in the future. Taking pictures can show a true likeness of the events which have taken place. Always take down any details of witnesses if they allow so that they can be contacted at a later date if needed. Finally and this may not always be wise to be left till last but ensure that the details of the other drivers involved are noted and kept safe especially if you believe they caused the accident as you will need their details to give to either your insurance company or an independent no win no fee solicitors.
Knowing who caused the accident when other vehicles are involved may not always be straight forward. If a car is hit from behind it is largely the driver who hit the car to be at fault but in other accidents it may not always be that simple to establish fault so better to gather as much evidence as possible. It is also important to choose a no win no fee claims solicitors such as NoWinNoFeeExpert.
How to Proceed to Make a No Win No Fee Claim
If you are not at fault but wish to make a no win no fee claim against another driver you may wish to appoint a solicitor as they may make the claim process more straight forward if they handle the paper work, or you could inform your insurers and they could appoint legal assistance or it is possible to make a claim yourself if you wish to do so.
If unfortunately you are at fault and the road traffic accident was considered your fault you must inform you insurers if the other party wish to make a claim and the incident was on a large scale and vehicles were badly damaged as you may not be able to cover the large costs.
If a Driver Fails to Stop
In the event of a road traffic accident (RTA) a driver may fail to stop whether there at fault or not but in order to pursue a claim the other party’s details maybe needed by ensuring that the number plate is noted down the details of the cars ownership can be tracked. If the DVLA believe that the person wishing to seek out the details of a particular driver have good cause i.e. involved in an accident they can provide the name and address of the owner of the vehicle.
You can also find some very useful information here https://www.justice.gov.uk be sure on the type of claim you may need to make if you have been injured.
Car Leasing- Car Clubs
To lease or to buy, that is the question. However, finding the answer may not be as difficult as many people believe it to be. There are many misunderstanding that circle around leasing a vehicle. Getting the correct information about car leasing can be daunting. Therefore, it is important to always do your research, before deciding to buy or to lease.
Contrary to what you may have been told in the past, leasing a vehicle, does not mean that you are renting it. When you purchase a new vehicle from a dealer or on a showrooms floor, you do not own the vehicle, the finance company does. When you decide to lease a vehicle, you are not getting the vehicle leased through a dealer either. Instead, you are actually leasing the vehicle through a leasing company that is affiliated with the dealer.
The way that it works is the leasing company that decides to allow you to lease the vehicle, will purchase the vehicle from the dealer. The leasing company then will make the final decision to allow you to drive the vehicle for a specific amount of time. Typically, the maximum amount of time that you can keep the vehicle is for a period of 36 months. The vehicle can only be driven a maximum amount of 12,000 miles per year.
The time that you are given to drive the vehicle, is called a term period. The term that you are given is set by the company that you lease the vehicle through. Sometimes the miles that you are going to be permitted to operate the vehicle will fluctuate between 10,000 to 15,000 miles every year. The time that you are permitted to use the vehicle can be anywhere from twenty four to forty eight months.
You will be required to pay for the depreciation on the vehicle over the time that you have the vehicle in your possession. An additional interest rate will be added into your payment. However, instead of being called interest, like it is when you are given a loan for a vehicle that you purchase, the interest is called the money factor. While you are operating the vehicle, the leasing company is actually losing out.
They will pay the entire cost of the vehicle, while you will be responsible for paying a small amount every single month that the vehicle is in your possession. The depreciation rate is set by the agent that is leasing the vehicle. Residual is what is estimated by the leasing company, in order to determine what the vehicle is going to be worth once the lease period has been satisfied.
Many people do not realize that it is possible to negotiate the amount of money that they will be required to pay in order to lease a vehicle. In many accounts, individuals believe that it is the leasing company that is calling all of the shots, this is not true. Motorists do have the ability to negotiate the sticker price on the vehicle. In many ways, leasing is the same thing as buying.
When you think about it, most people end up trading their cars in after they have had them for three to four years. With leasing you are able to save a considerable amount of money and get a newer vehicle every three to four years as well. So, whilst owning your car may be a viable position, leasing a car is quite appealing too. You will be able to drive newer cars, and not run the risk of being stuck with an older vehicle at the end of the lease.