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It is fair to say that insurers are not too keen on people who make personal injury claims; especially successful ones, and this is simply because it costs them money – in some cases an awful lot of money. 

At the end of the day though, if you have genuinely been injured in an accident which was not your fault, and you have suffered pain and a loss of amenity, you need recourse. This recourse comes in the form of compensation.  Just because insurers do not like paying out does not mean you should not seek to bring your claim for compensation.

It is also fair to say that those people who do bring claims for compensation would like to be compensated as soon as possible.  Although I do not believe nowadays making a claim for compensation is a particular hassle, I can understand that in an ideal world you would love your compensation tomorrow – that would be brilliant.  It is for this reason that some people fall victim to something called ‘third party capture’.
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If you have been involved in a slip, trip, or fall accident, and this accident was due to the negligence of another, you may have a strong claim for personal injury.  At The Injury Lawyers we tend to see these types of claims originate from supermarkets, shopping malls and high streets – I have gone on to list some specific examples of accidents we see below:

• Slipping on a spillage negligently left uncleaned in a supermarket.
• Tripping on broken paving on the pavement.
• Falling down an uncovered manhole on the street, or the manhole having no adequate warning signs or cordons.
• Tripping over a raised or unsecured utility cover.

If any of the above have happened to you then you may have a strong claim for personal injury.  If this is the case then there are a few actions which you can take to strengthen your position: I have listed some of these below:
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If you have been injured as a result of a faulty/contaminated product, you would bring your claim as a Product Liability Claim. I will discuss two common types of Product Liability below:

Faulty Products

The first point to make is that Product Liability claims can be difficult claims to run and difficult to be successful with. This is firstly due to the fact that the claim can go between the sellers and the manufacturers as to who is to blame, and secondly manufacturers of products can be difficult to locate; so this can be an added struggle.
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Depending on our work places, there are many different hazards which can be contained within it. It is the duty of our employer to ensure that we are protected as far as is reasonably possible from harm.  This duty is enshrined in many different pieces of legislation and regulations which will not be the focus of this blog – I will however discuss below some of the main reasons why accidents can occur around the work place.

• Personal Protective Equipment (PPE) – PPE is an umbrella term for a variety of equipment which protects you from risks to your health and safety. This equipment can include safety goggles, respirators, and safety boots – basically whatever is required  to keep you safe from the necessary risks of your job. You should be adequately trained in the use of the PPE and it should be properly maintained and stored to ensure it offers you the fullest protection.
• Manual Handling – If your work requires you to complete manual handling tasks you should be trained in how to complete these tasks safely. Your employer should also be assessing any potentially hazardous manual handling tasks to see if they can be adapted, or if mechanical assistance can be provided.
• General workplace safety – Employers should ensure that the workplace is generally a safe area to work within. Obvious examples of this should be safe electrics with no exposed wiring, no trip or slip hazards as far as is reasonably possible, and no faulty equipment which could cause harm.

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Many people can find roundabouts difficult to navigate. This is usually because the person may not know exactly where they are going and which exit off the roundabout to take – this can cause accidents and thus cause roundabouts to be one of the biggest accident hotspots.

I have listed below some of the most common reasons for accidents occurring on a roundabout:

• Negligent drivers cutting across lanes to take their exit, thus causing panic in other drivers as well as collisions.
• Negligent drivers not taking heed of traffic coming to a stop in front of them, causing a rear end shunt at the entrance to the roundabout.
• Negligent drivers entering a roundabout without making the necessary checks that the path ahead of them is clear, thus causing a collision.
• Negligent drivers not giving priority to traffic entering the roundabout to the right of them, thus causing a collision

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Claiming for compensation where you have been injured in a relatively minor road traffic accident can be quite a straightforward and fast process.  A couple of years ago your claim could have taken well over six months; but, since April 2010 the time taken to get your compensation is now estimated at a couple of months.  This is because a new protocol for low value personal injury claims arising from road traffic accidents has been introduced which has considerably speeded up the compensation process for any accidents occurring on or after 30^th April 2010.

Once you have instructed a quality and expert injury lawyer who regularly deals with road traffic accident claims, and has years of experience with winning them, a Claim Notification Form will be submitted online on your behalf to the other side’s insurers.  The Claim Notification Form is a straightforward document which notes your details, the details of the vehicles involved, outlines the accident and the injuries you received as a result, and the reasons why we are alleging fault for a claim.  If you are unsure how to complete this at any time, do not worry – your injury lawyer will be on hand to help you and guide you through filling it in.  Once completed, it is submitted electronically to the other side who have one business day to acknowledge receipt.

Once the other side’s insurers receive the Claim Notification Form they are allowed a period of 15 business days in which to formally admit or deny liability.  At The Injury Lawyers we only take on claims we genuinely believe will be successful, so in this 15 day period we fully expect an admission of liability.  What’s better, even though the other side have 15 days to respond, they could well admit liability within 1 or 2 days, meaning you are even closer to quickly obtaining the compensation you deserve.  Under the old system, the other side had a period of 21 days to acknowledge your claim and then a further 3 months to investigate it.  Now, they have just over two weeks to admit or deny liability.  This is why your claim for compensation is far from arduous and can be over in a few short simple weeks.
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The term Occupier’s Liability may sound complex, but its meaning is fairly simple to explain. There are two Occupier’s Liability Acts; the one relevant for our discussions in this blog is the Occupier’s Liability Act 1957.  It is this act which offers protection to the ‘lawful visitors’ of premises rather than trespassers with which the other Act deals. The act states that the Occupier has a duty to ensure its visitors will be reasonably safe when visiting its premises. Contrary to how the name sounds an Occupier need not actually occupy the premises as such; an occupier is simply the person(s) who have overall physical control over the premises. A good way to illustrate this is with the following examples of Occupier’s liablity claims:

• An item falling on you from a poorly stacked shelf in a supermarket – this may be a strong claim for personal injury and would be directed against the supermarket.
• Slipping on a spillage in a night club – if you have been injured as a result, this too may be a claim and would be directed against the nightclub.

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At The Injury Lawyers we have a vast amount of experience in whiplash claiming, and so are fully aware of the debilitating effect it can have on a person’s life. That is why we treat the condition with the seriousness that it deserves, fighting tooth and nail to get our client’s the best possible amount of compensation they are entitled to receive.

Causes

At The Injury Lawyers we tend to see whiplash most commonly as a result of road traffic accidents as the injury is commonly caused through a jolt to the head / neck area. It is common for people not to report injury at the scene of an accident, but to suffer whiplash later on as the symptoms, which I will discuss below, usually become apparent a few hours later, or even the following day or sometimes longer.
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If you have been injured at work through no fault of your own, you may well have a successful claim for compensation.

Your employers have an important duty to ensure that your health and safety is maintained at all times whilst you are at work, and there are a number of rules and regulations that they must abide by. If your accident and / or injuries were caused because your employers failed in this important duty of care that they have for you, their insurance should cover you and compensate you.

So – how do you make a work accident claim, and what does it entail?
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Whiplash can be experienced very mildly or extremely severely, and so can have little effect on your life or an extremely debilitating effect on your life. This is why valuing a claim for whiplash can be difficult; some sufferers can recover from the condition in a matter of weeks, whereas others can suffer for months or years. As you will probably have gathered, there will be extremely different valuations placed on the two extremes I have just outlined above, and the point of this blog is to let you know how solicitors come up with these valuations for your claim.

A solicitor will use a wide range of tools to value your claim – I have set these out below:

1. Judicial Studies Board Guidelines: The JSB guidelines band neck injuries for the purposes of valuations – I have set out these bands below;

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