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Free road accident legal assistance including liability assessment, replacement vehicle and medical treatment Your free legal protection has now been activated. There is no charge for your free legal protection now, or at any time in the future. Your protection is valid for a year after which time you will receive an automatic free renewal. We intend to add additional legal benefits on a monthly basis. We will advise you of these from time-to-time. This document provides important details regarding your legal protection. The service is similar to that provided by your motor insurers and referred to as legal expense insurance. However this service is not an insurance contract: the benefits provided are given you free of charge and they can be accessed before or after an incident occurs without paying a fee your protection covers you and any driver of your car plus any passengers in your vehicle and any other vehicle in which you or your family are travelling. You should print a copy for your file and keep a copy in all vehicles for which you are responsible at all times. This service is brought to you by Law Answers - the free legal advice network. Law Answers and the website lawanswers.co.uk are brands of Quality Law Limited. In the event you are involved in an accident – irrespective of fault - your cover gives you a free damage and injury assessment service along with free online legal advice at http://www.lawanswers.co.uk Call us before you call your insurer to protect your no-claims bonus. Our legal team offer detailed legal advice and guidance to your benefit. We're on your side, not your insurer's as your interests are not necessarily the same as theirs. We will always advise you to your best advantage. Call freecover first from the accident scene: and always before you contact your insurer to ensure the maximum chances of legal success. To use this service call 0800 037 1066 for immediate motor legal advice. This service operates around the clock throughout the year. IMPORTANT: Keep your email up to date with us to ensure automatic free renewal.

Service operated by the Law Answers network of free legal sites.
Law Answers and lawanswers.co.uk are brands of Quality Law Ltd, Shatwell House, Yarlington, Wincanton, BA9 8DL.
Administration tel. 0800 037 1066. enquiries@lawanswers.co.uk
A member of the Law Answers network of legal advice sites.
Our solicitors are regulated by the Solicitors Regulation Authority.

Details of your cover

The service:

1. Meaning of words

Wherever the following words and phrases (shown here in BOLD) appear in this document they will always have these meanings:

Person or You/Your: The person who has the benefit of this Service together with his/her spouse or common law or civil partner and children and any passenger who is in or on the Vehicle or the Bicycle with Your permission, or such person's personal representative(s) or estate;

Vehicle: A vehicle (including a motorbike) covered under Private Motor Insurance driven by or under the control of The Person;

Bicycle: A bicycle being ridden by You or the Person;

Geographical Limits: Any country within the United Kingdom;

Incident: A Road Traffic Accident involving the Vehicle or Bicycle causing a Personal Injury within the Geographical Limits and where a claim can be brought within the courts of England and Wales, Scotland or Northern Ireland during the Period of Service;

Multi-Party Action: A case where a number of claimants are pursuing the same or a similar action against one opponent or one set of opponents alleging the same cause of action;

Period of Service: A twelve month period from the commencement date;

Service Limit: for services offered under Section 2.1 (i), £100,000; for services under Section 2.1 (ii), £200; for services under Section 2.2, £200; for services under Section 2.3, £150; for each said sums, in total, in connection with any one event giving rise to a cost and inclusive of Value Added Tax;

Private Motor Insurance: motor insurance issued to cover the Vehicle to comply with Road Traffic Act requirements;

Personal Injury: the impairment of Your physical or mental condition following an accidental bodily injury caused solely and directly by accidental, external, visible and violent means for which You claim compensation including the death of any person on whose behalf You are pursuing a claim as a personal representative;

Reasonable prospects of success: The likelihood that the amounts You are awarded (and can reasonably expect to obtain) will exceed the cost of obtaining them, together with any amounts awarded against You;

Rehabilitation Costs: the treatment, physiotherapy, healing, remedy or cure identified by the suitably qualified doctor, medical consultant or other expert whom We appoint, carried out within the United Kingdom, with Our prior approval and the adoption of which We consider shall have a tangible and beneficial impact on Your recovery from the Personal Injury following a Road Traffic Accident;

Road Traffic Accident: An accident between the Vehicle or the Bicycle and another motorised vehicle causing You Personal Injury as a result more of the negligence of another person than of You;

Solicitor: the solicitor or other suitably qualified person We appoint to pursue Your claim;

Test Case: A case being pursued by one or more claimants against one opponent or one set of opponents on behalf of and/or as an example case for other claimants intending to pursue or pursuing an action which is fundamentally similar to or the same as the test case;

We, Our or Us: Quality Law Limited and/or the Law Answers network.

2. What is provided by the service

2.1 Legal expenses

If it is advisable to do so We will ensure that a Solicitor appointed by Us will put in place at their own expense a policy of insurance to cover the pursuit of a civil claim for damages including instituting legal proceedings in connection with claims arising from: (i) Your Personal Injury or death; and (ii) damage to the Vehicle or the Bicycle; and in either such case as a direct result of an Incident, whilst the Vehicle is being driven by, or in the custody or control of, You or a named driver under The Private Motor Insurance or in the case of the Bicycle is under the custody and control of you or a Person, and which is not recoverable under any more specific contract of insurance covering the Vehicle;

2.2 Rehabilitation costs

Rehabilitation Costs related to a Personal Injury claim following a Road Traffic Accident (as defined above):

following Personal Injury, We will reimburse You (or another party who, with Our prior agreement, has paid or incurred liability) for Rehabilitation Costs incurred with Our prior approval;

2.3 Recovery costs

If the Vehicle is immobilised or rendered unroadworthy as the result of an Incident, We will arrange and pay for the transportation of the Vehicle to the nearest suitable repairer.

3. Service conditions

3.1 You must tell Us in writing as soon as reasonably possible about any incident which could result in a claim being made under this protection.

3.2 You must:-

• give proper instructions to Us, and provide Us with information at Your expense;
• not do anything to prejudice Your case;
• help Us to minimise the cost of any service provided;
• advise us of any legal expenses insurance which would cover an action for which We provide this service.

3.3 We shall have complete control over the legal proceedings although You do not have to accept the Solicitor nominated by Us If You are unable to agree with Us on a suitable solicitor you may appoint your own Solicitor provided they confirm in writing to us that suitable insurance is in place to cover all costs and expenses of providing this service;

3.4 Unless You are acting with Our prior written authority, We will not be bound by any promise or undertaking given by You to the Solicitor.

4. Using the service

4.1 To access the services You should either:

register your claim at www.lawanswers.co.uk/freecover; or

telephone 0800 037 1066; or

write to Law Answers at
Macca House
Yorkshire Street
Rochdale
Lancashire
OL12 0DS

4.2 Please quote Your membership number. You should not forward any documentation until requested to do so.

Service operated by the Law Answers network of free legal sites.
Law Answers and lawanswers.co.uk are brands of Quality Law Ltd, Shatwell House, Yarlington, Wincanton, BA9 8DL.
Administration tel. 0800 037 1066. enquiries@lawanswers.co.uk
A member of the Law Answers network of legal advice sites.
Our solicitors are regulated by the Solicitors Regulation Authority.