Car Insurance FAQs (A-E)
Q : What is No Win No Fee?
A : No Win No fee refers to agreements called
Conditional Fee Agreements (CFA's) whereby you pay an insurance
premium that fully protects you against all the legal costs
involved in pursuing a personal injury claim. It is governed by
the Conditional Fee Agreements Regulations 2000. This came into
force on 1st April 2000, Essentially any insurance premium paid
and any success fee which has been agreed to be paid can be
recovered from the other party in the event of a successful
Crossing the Road:
Q : Can a pedestrian ever be held liable for
crossing the road?
A : There has been a recent case where this
happened. The claimants were pedestrians struck by the
defendant's vehicle on a pedestrian crossing at a junction
controlled by traffic lights. The claimants were obscured by a
stationary lorry at the pedestrian crossing. The trial judge
held that the defendant was not liable since he was under no
obligation to stop at a green light, and if he was wrong on
primary liability he assessed the claimants' contributory
negligence at 80%. The claimants appealed. The Court of Appeal
held that a reasonable careful driver would have anticipated
that there was a risk of a pedestrian on the crossing as the
lorry was still stationary and the lights had only just
changed. The appeal was allowed upholding the judges finding of
80% contributory negligence.
Q : Can you please tell me what a CD10
conviction code is ?
A : Driving without due care and attention. A
comprehensive list of motoring conviction codes can be found by
following the link in the left hand column.
Q : Why do I have to pay an excess when it was
the other drivers fault?
A : When you took out your policy, you entered
into a contract with your insurer in which yu agreed to pay the
first amount of any claim you make (usually for damage to your
car). This applies irrespective of who is to blame. If you are
not at fault, your excess, which is an uninsured loss, can be
recovered from the negligent driver or his insurer.
Car Insurance FAQs (F-M)