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Legal expenses insurance with Hoot – at no extra cost!

What is legal expenses insurance?
Being involved in a car accident can mean a great deal of hassle and inconvenience. Even if you have comprehensive insurance, don’t automatically think you are covered for all the possible implications associated with having a car accident. If you have an accident that was not your fault and make a claim on your own car insurance policy you will have to pay your policy excess which may be several hundred pounds.

If you were injured in the car accident there may be possible loss of earnings and solicitors fees for claiming compensation against the person who caused the accident. This is where your Hoot legal expenses insurance policy can prove vital in providing you with up to £50,000 worth of legal cover, to help you to pursue a claim for all your losses from the person responsible for the accident.

What to do if you’re in a car accident which wasn’t your fault?
Call the Hoot legal expenses insurance claim line on 0800 954 97 55 as soon as possible. The sooner you report the accident to us, the more we will be able to do to help you.

What can I claim for?
Hoot legal expenses insurance can help you recover any costs or uninsured losses that result from a car accident. These may include:

• Loss of earnings if you are injured and unable to work
  
  
• Solicitor fees to help you make a claim against the other person’s insurance company
  
  
• Costs of repairs or write off value of your car
  
  
• Hire car costs whilst your own is being repaired (or awaiting inspection by an insurance engineer if your vehicle is not road worthy)
  
  
• Your insurance excess (if you have comprehensive insurance)
  
  
• Damage to any of your personal belongings (e.g. clothing, CDs, sunglasses or any other items damaged in the accident)
  
  
• Roadside recovery and storage charges

Additional services
Other services we can provide you with following a non fault accident (the costs of which can be reclaimed from the third party or their insurers) include:

• Personal injury compensation
  If you have been injured in a non fault car accident our solicitors can help you claim compensation on a no win no fee basis. This means win or lose, you have no legal costs to pay and you will get 100% of any compensation awarded to you, guaranteed. See Claim for personal injury compensation for more information…

• Car repairs
  Hoot legal expenses insurance may be able to arrange for your car to be repaired and pass the cost of these repairs onto the other person’s insurance company.

• We can arrange for an inspection to be carried out on your car by an independent insurance engineer
  
  
• We can arrange repairs through an insurance approved repair garage
  
  
• We can arrange for a replacement car* to be delivered at a convenient time whilst your car is off the road or being repaired
  
  
• We can forward all repair costs and car hire charges to the other party’s insurance company
  
  See Getting your car repaired for more information…

• Replacement car
  If your car is not drivable, following an accident that wasn’t your fault, Hoot can provide you with a replacement car* whilst yours is being repaired. This will be on a ‘credit hire’ basis, where all charges will be forwarded to the other party’s insurance company. See Getting a replacement car for more information…

If you would like to speak to a member of our motor team about the benefits of having legal expenses insurance please contact us on 0800 954 97 55.

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