two weeks ago a stolen car, travelling at very high speed, crashed through my brick wall and through into my garden my daughter and her four week old baby, myself and my two year old grandaughter had just left the the house to go to the car, which was written off we were so lucky no one was killed, the driver who was seventeen has been arrested for underage,no licence,no insurance, and dangerous driving. ihave since been told that because we have no physical injuries we cannot claim any compensation even though i was fully comp my question is is there any where i can go to claim compensation for the trauma caused which has affected us all very badly especially my two year old grandaughter who is suffering nightmares almost every night.
Province/Country relating to question : hertfordshire
my insurance company which in itself is very complicated
Can you tell me what your insurance company has said and can you clarify that it was your car that was written off?
yes it was my car that was written off. my insurers are qwick fit but have several different departments i have to deal with they are saying as no one was physically hurt i can not claim compensation even though part of my insurance payments are for uninsured losses
Good afternoon,It is correct that your own insurance company will not compensate you for injuries or trauma. The only persons that can compensate are any third parties involved. As the car driver was not insured you could make an application to the Motor Insurers Bureau for the trauma sustained for which you would need the support of your GP to say that you and the children have been traumatised for a length of time, or alternatively you may be able to make a claim to the Criminal Injuries Compensation Authority which is a similar procedure and which involves completing an application form and submitting it for which a solicitor may take you on, on a no win no fee basis or might take a percentage of your damages, but this does depend on the medical evidence provided. Good luck.This answer is based on the limited information provided. I hope that this answers your question, if so, I would ask you please to click ’Accept’ so that I can be paid. Best wishes F E
30 years in General Practice
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