Assessing liability and loss separately
First, the accident sequence and responsible parties must be established using reports, photos and witnesses. A police record is not identical to the civil allocation of liability.
Each loss item is then checked and evidenced: repairs, replacement costs, expert fees, loss of use or hire charges. Recoverability and amounts depend on the circumstances and any shared liability.
Scrutinising deductions
Insurer deductions must be checked against the case. I review reports, repair instructions, invoices and payments. Different methods of calculating damage cannot simply be mixed.
Injuries involve additional claims and evidence. Medical findings, progression and effects should be documented. Do not decide on a final settlement until its scope and potential future effects are understood.
Practical examples
These examples describe typical situations. The appropriate response depends on the facts of each case.
Documents for the initial assessment
Provide the accident report, photos, registration and insurance details, witnesses, expert reports, invoices and settlement correspondence. Injury claims require medical records and documented consequences.
Frequently asked questions
Does this also cover criminal or fine proceedings?
This page concerns civil compensation. Additional criminal or regulatory proceedings follow separate rules and require separate assessment. Acceptance of such work is considered case by case.
Should I sign a final settlement immediately?
Before a settlement or release, check which claims are waived, especially if damage consequences or medical developments remain uncertain.