We're looking through some of the clauses in a British car insurance policy. In this instance it's the "Emergency Treatment" clause and it sorts out who is responsible for any medical attention needed as the result of a motoring incident.
UK motoring regulations state that you must pay costs to the first medical person to treat you follow... Read more
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A car is declared a total loss when the estimated repair cost is higher than the present market value of a similar car. Once the insurer decides that the car is a total loss then they take the steps detailed here.
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