Uninsured Loss Recovery
Even if you’re fully insured, a non-fault accident can leave you out of pocket.
Uninsured losses are the costs your own policy doesn’t pay for. We help you identify them, gather the evidence and recover them from the at-fault driver’s insurer.
What counts as an uninsured loss
Depending on your circumstances, uninsured losses can include:
- your policy excess, if you’ve claimed on your own insurance;
- the cost of a replacement vehicle while yours is off the road;
- recovery and storage charges;
- earnings you lost because you couldn’t work;
- travel costs, such as taxis or public transport;
- personal belongings damaged in the accident, such as a child seat, phone or tools;
- in some cases, a reduction in your vehicle’s value after repair.
If you were injured, compensation for your injuries is claimed as part of a personal injury claim. Our team handles everything for you.
Why they need claiming separately
Your own insurer deals with the cover your policy provides. Losses outside that cover are yours to pursue from the driver who caused the accident, and they’re easy to overlook in the days after a crash.
We bring them together into one claim against the at-fault driver’s insurer, alongside the vehicle-related parts of your claim, so nothing is left out.
How it works
Tell us what happened
We go through the accident with you, and everything it has cost you so far.
We gather the evidence
Receipts, invoices, statements and payslips to support each loss.
We claim from the at-fault insurer
Your losses are presented to the at-fault driver’s insurer as part of your claim, and we keep you updated.
Keep your receipts
Keep receipts and records of everything the accident costs you, from taxi fares to replacement items. The better the evidence, the easier each loss is to recover.
Don’t wait too long. In England and Wales, court proceedings for vehicle damage and other property losses generally have to be started within six years of the accident, and within three years for personal injury.
Been involved in a non-fault accident?
Whether you need recovery, a replacement vehicle, repairs, help with a written-off vehicle or assistance managing your claim, contact Simply Accident Management today.
Tell us what happened and our team will assess the circumstances, explain the next steps and coordinate the appropriate services to get your claim moving.
Available 24/7 by phone and WhatsApp.