Reasons Why You Are Not Covered Under Your Motor Insurance Policy

There are a figure of grounds why the coverage company may not be able to ran into your claim:

It could be possible that your coverage company, after examining all the facts, may throw you partly blameworthy for the cause of the accident and so might ran into only a portion of your claim. You might not be able to claim for all your losings such as as in the lawsuit of personal injury, your clip off work as a consequence of the accident, or vehicle hire while your auto is being repaired. If this is so, then you will necessitate to look to the 3rd party's insurance companies for recompense. It may even be necessary to take legal action so as to get general and particular amends for personal hurt and for uninsured losses.

It might turn out that you are not in ownership of a valid drive licence.

It might transpire that you were driving person else's vehicle for which you were not insured to drive or, on the other hand, it could be that person else was driving your vehicle for which he was not insured.

If it is established that your auto was not roadworthy e.g. faulty brakes/ mediocre headlamps etc. and is therefore the cause of the accident.

You may not have got got been aware that the auto you purchased was actually a purloined item.

Finally, your coverage company may have folded its concern and ceased trading altogether. In this type of event, you might be able to have got compensation from the Financial Services Compensation Scheme.

Do maintain in head that even if your coverage company might not be able to ran into your claim for the grounds outlined, they will still have to ran into the claim of the 3rd political party if it transpires that you were to fault for the accident.