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Something happened to you on the road?
A right to compensation?
Dealing with injuries sustained from a motor vehicle accident can be difficult enough, let alone dealing with insurance companies. Depending upon the circumstances of your accident, you may be entitled to compensation.
We specialise in injury compensation claims on a “NO WIN NO FEE” basis
A Compulsory Third Party Insurance (CTP) is a mandatory regulation that requires all cars be insured upon registration, otherwise, the vehicle is deemed illegal. In situations where the driver of the vehicle who caused the accident injures or kills another person, CTP insurance is applicable
You need to consider the following things. First, did you sustain an injury that resulted from the accident? Secondly, are you the driver of the vehicle who is not at fault? Answering “yes” to both these questions means you may pursue a CTP insurance claim.
- document as much information about the accident that happened such as vehicle plate numbers, location of the accident, any witnesses, and other details.
- immediately go to the nearest police station and report the accident and provide all the relevant information.
- alongside your claim, attach a copy of a medical certificate stating the details of the injuries you have sustained from the accident.
Once the CTP insurance claim is lodged, a decision must be made by the insurer within 14 days or alternatively, a request for further information. Within that period, the CTP insurer is required to either accept or reject the claim.
Do I need to go to court? A majority of the cases settle without requiring you to go to court.
- medical, rehabilitation, consultation, and medication costs- pain and suffering from the decrease of health status and quality of life, which affects your leisure activities.
- lost wages or earnings that a person was and is entitled to receive as a wage-earner- home care services.
If anyone dies in the event of an accident, is anyone eligible to make a claim on behalf of the deceased person?
Yes. In such cases, the dependants of the deceased person may pursue a claim for the loss of the deceased’s source of income. The deceased person’s estate can claim for funeral expenses if there are no dependents.
Once a CTP claim is filed, it is not the driver of the motor vehicle being sued but rather, the insurer. All expenses brought about by the damages related to the accident are covered by the insurer under the outlined CTP, which includes the expenses for defending the case and the settlement amount which would eventually be agreed upon.
In the event that the insurer is unwilling to pay for the damages, an appeal can be filed.
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