Many people pay regular amounts of money (called ‘premiums’) to an insurance company (the ‘insurer’) which is used to pay insurance claims. Such insurance usually covers damage to motor vehicles and personal things such as clothes, bags and watches. You choose whether you want to pay for private insurance to cover things like fire, theft and damage to a vehicle. The damage can be a result of the driver of the vehicle which caused the accident being negligent, or of any other person being negligent.

For example, if you are involved in an accident and another person is at fault, then you can claim the cost of repairs for your vehicle from your insurance company. The insurance company might then claim from the person who caused the accident. If the person who caused the accident was also insured, then your insurance company will claim from that person’s insurance company.

If the person who caused the accident was not insured, then your insurance company will claim the damages from the person him- or herself. If the uninsured person cannot afford to pay, then your insurance company will have to bear the loss.

If you cause an accident and you have insurance, you can also ask the insurance com