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Making an accident claim
If you’re unfortunate and injured in an accident, you can claim for your injuries or for damage to your car if you have a fully comprehensive insurance policy that covers you and your car or if you can show that someone else was to blame and claim from that party.
If you were at fault and only have a third-party insurance policy, you’re out of luck. Other people who were injured in an accident caused by you can claim against you, and your third-party policy will cover their claims. Your policy may also cover third parties for damage to their vehicles and possessions.