Taxi Driver Online

But what if it wasn't your fault or error and no other parties are involved, say a tyre blowout. Do you get compensated then ?

If I'm involved in an accident that wasn't my fault but no-one else involved I'd like to think I'm insured for any injury.

But what if it wasn't your fault or error and no other parties are involved, say a tyre blowout. Do you get compensated then ?

If I'm involved in an accident that wasn't my fault but no-one else involved I'd like to think I'm insured for any injury.

Here is an extract from a legal website.

What if I caused, or partly caused, the accident?
There are some cases when you will clearly be at fault for causing an accident. For instance, if, as a result of your own error, you lost control whilst driving your own vehicle and had an accident that did not involve any other vehicles. In this case it would not be possible to bring a claim for compensation because there is no other person to bring a claim against.

Generally, if you are injured as a result of an accident that was your fault you will not be able to make a claim for compensation unless another person or organisation was also partly to blame for the accident.

If you're injured whilst in your car, you might assume that personal injury cover is already included on your car insurance policy.

But that's not necessarily the case, especially if you don't have a comprehensive policy, and even if you do have cover it might not be to the level that you expect.

While you'll be able to make a claim against a third party if they're to blame for the accident, if you're at fault or there's no blame you'll need personal accident cover on your policy to have a chance of getting compensation.

On 30 April, 2015, Gocompare.com checked 225 comprehensive car insurance policies on the matrix of independent financial researcher Defaqto and found that 94% included personal accident cover as standard, while a further 3% allowed it to be added as an optional extra.

If you search through Gocompare.com, your results table will allow you to filter it to only show policies offering personal accident insurance, while the table itself will clearly display if such cover is included and at what level.

Exclusions to personal accident policies

As with any insurance policy, it's the responsibility of the policyholder to meet certain conditions.

Personal accident policies can have restrictions, such as covering only the driver and his or her spouse, or only covering people under 80.

What's more your policy may become invalid if, for example, you're injured whilst driving when drunk or under the influence of drugs.

Personal accident cover also excludes some types of treatment - for instance, 92% of the policies checked on Defaqto didn't cover the cost of physiotherapy treatment following an accident.

You might also not be covered for personal injury if you're taking part in a sport such as rallying - read your policy documents carefully to see what is and isn't included.

A mother-of-two has been left wheelchair-bound after a taxi driver ran a red light and ploughed into her as she rushed home to care for her disabled daughter.

Natalie Coates, from Bradford, West Yorkshire, was a full-time carer for her 13-year-old daughter, Briany, until she was hit by a car in December 2014.
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'A taxi driver had gone through the red lights, despite her green man showing. He went right through and ran her over.

'Workmen had stopped the taxi driver. Without them I suspect he'd have just driven off.'
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The couple are angry that the 'reckless' actions of the taxi driver have cost them so much.

However, because there were no witnesses to the accident and no skid marks to indicate if he had been speeding, the driver was never prosecuted by police.
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Despite the driver not being prosecuted, Ms Coates was awarded compensation after the accident - but it was from before she was left wheelchair-bound.

Mr Coates says that the couple regret accepting the paltry amount, which was under £2,000, as it in no way makes up for how badly the crash has affected her life.