Buying and sale

A car accident can have significant consequences for both health and finances. It is therefore important to be aware of what rights you have when it comes to compensation after such an incident.

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Your rights after a car accident

In Norway, all owners of motor vehicles are required to have liability insurance in accordance with the Motor Vehicle Liability Act. This insurance covers damage caused by the vehicle, regardless of fault. This means that if you are injured in a traffic accident, you are generally entitled to compensation for both personal injuries and financial losses as a result of the accident.

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What can you get compensation for?

The compensation must cover the losses you have suffered as a result of the accident. This may include:

• Medical expenses : Costs for treatment, medication and rehabilitation.
• Lost income : Loss of income as a result of not being able to work for a period of time.
• Compensation : Compensation for permanent medical disability that reduces the quality of life.
• Compensation : Compensation for non-economic loss, in cases where the tortfeasor has acted grossly negligently or intentionally.

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How do you go about claiming compensation?

1. Secure evidence : After the accident, you should document the scene of the accident, the vehicle involved and any damage. Take pictures and write down the sequence of events in as much detail as possible.
2. See a doctor : Even if the injuries seem minor, it is important to see a doctor for a thorough examination. This also ensures the necessary documentation.
3. Report the damage to the insurance company : Contact the insurance company as soon as possible and report the damage. Provide all relevant documentation, including medical certificates and receipts for expenses.
4. Consider legal assistance : Compensation cases can be complex. A lawyer with experience in personal injury compensation can help you ensure that you receive the compensation you are entitled to.

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Important deadlines

It is important to be aware of limitation periods. In general, compensation claims must be submitted within three years from when you became aware of the damage. Failure to meet these deadlines may result in you losing your right to compensation.

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Coverage of legal expenses

In many cases, the insurance company will cover reasonable and necessary legal expenses in connection with the compensation case. It is therefore wise to investigate this with the insurance company and possibly engage a lawyer who can assist you through the process.

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Being well informed and acting quickly after a car accident is essential to securing your rights. By following this advice, you are better equipped to handle the situation and get the compensation you are entitled to.

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If you have any questions in connection with your case, you can book a meeting with us at Insa lawyers , completely free of charge.

Have you bought a house with defects and want to make a claim against the seller? Buying a home is one of the most important investments most of us will ever make. That's why it's crucial that the property meets our expectations and is in the condition we expect.

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If you as a buyer discover defects in the property after the purchase, it may be a good idea to contact a lawyer for guidance in the claims process. If you have home contents insurance, it will probably cover the cost of a lawyer up to NOK 100,000. 100 000. As a rule, the policyholder only has to pay a deductible of between NOK 2,000-5,000, plus 20 percent of the expenses incurred in excess of the deductible. In other words, the insurance company covers the lion's share of the legal expenses. The threshold for contacting a lawyer should therefore not be high, especially if you fear high legal costs.

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Example: if the total legal costs are NOK 60,000 and the deductible is NOK 2,000, in addition to the NOK 2,000, you must pay 20% of NOK 58,000 (NOK 60,000 - NOK 2,000). In this case, you must therefore pay a total of NOK 13,600 yourself. In other words: your home contents insurance will potentially cover a large part of your legal expenses.

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The insurance company may also cover expenses in connection with the preparation of a valuation report or expert report.

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The insurance contract regulates the conditions that must be met in order to obtain legal aid coverage through the home contents insurance. As a general rule, legal aid is granted from the time a dispute arises. A dispute arises if you submit a claim and the other party refuses, i.e. at the time the disagreement arises. A lack of response from the other party (inaction) may also mean that a dispute exists under insurance law.

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ATTENTION: The insurance contract must have been concluded before the dispute arises. If the insurance was taken out after the dispute arose, the insurance will probably refuse legal aid coverage.

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It is also good to know that the insurance generally does not cover expenses greater than the financial interest in the case.

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If you have questions or need help with your case, book a free consultation with us here.

Have you bought a car with defects and want to make a claim against the seller?

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The threshold for contacting a lawyer should not be high. If you are concerned about costs, your car insurance policy is likely to cover legal expenses up to €100 000. The policyholder will have to pay a deductible of between €2,000-5,000, plus 20% of any expenses incurred over and above the deductible, but the insurance company will bear the brunt of the cost.

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Example: if your total legal costs are € 60 000 and your own contribution is € 2 000, in addition to the € 2 000, you will have to pay 20% of € 58 000. In this example, you would have to pay a total of €13,600 in excess. In other words, your car insurance policy potentially covers a large part of your legal expenses.

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It is the insurance contract that regulates the conditions that must be met in order to obtain legal aid cover under the motor insurance policy. As a general rule, legal aid is granted from the moment a dispute arises. A dispute arises if you make a claim and the other party refuses. A lack of response from the other party (inaction) can also lead to a dispute under insurance law.

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‍Note the insurance contract must have been concluded before the dispute arises. If the insurance was taken out after the dispute arose, the insurance is likely to refuse legal aid coverage.

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As a general rule, the insurance does not cover expenses greater than your financial interest in the case. For example, if you want to cancel a car purchase and the car is worth NOK 300,000, the insurance may cover up to NOK 100,000 in legal expenses.

We can help you with your questions about legal aid coverage.

If you have any questions about the content of this article or would like assistance in a dispute with a car seller, you can contact us without obligation here.