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Legal expenses insurance is a form of insurance that is designed to cover legal expenses – rather obviously! It’s common as an added extra on your motor policy and sometimes with home insurance or bank accounts. As it’s significantly more common with motor policies, I’ll stick to that as its most applicable.

If you have an accident that was not your fault, your motor insurers will likely advise you that you have the benefit of Legal Expenses Insurance (LEI for short) and that this allows you to have a solicitor and make a claim nice and easy. It is true, that it is an insurance policy, and your insurers can sue it with a solicitor; but there’s a hidden motive as to why your insurers want you to use it. In fact, you’ll likely find that they will be rather pushy to make you use it.
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It all depends on a few factors. Firstly, the accident or injuries have to have been caused through negligence. In short, someone, or some company, must have failed to do something that they can reasonably be expected to do, or have negligently done something and caused an accident or an injury.

There are genuine accidents – but if the accident caused was foreseeable, you may have a case.

The best thing you can always do is call us here at The Injury Lawyers, and explain the circumstances as to how you have been injured, and allow our team to assess the merits of your claim there and then.
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Well preferably us! But here is a quick guide about what you should look for when you want to make a claim for personal injury compensation:

No Win, No Fee

If your claim is strong enough, a good lawyer will offer you a No Win, No Fee agreement. In principle this should do exactly what it says on the tin; if the case doesn’t win, you don’t pay your lawyers’ fees. However, make sure you read through any paperwork you receive thoroughly as there are some unscrupulous lawyers out there who may want to sting you with hidden fees. Usually it’s due to being referred through claims companies or insurers. But a good law firm like us can tell you that it really is true what we say – if your case doesn’t win, you don’t pay the fees!
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As you can imagine, injuries that occur from a motorcycle accident can be quite severe. Having merely a helmet and leathers on does not offer much protection for riders in the event of an accident which means that, sadly, these types of accidents are often fatal.

Injuries commonly include significant soft tissue injuries, broken bones, internal damage and head injuries. Obviously recovering from these injuries can take some time and have a significant effect on your life. It is likely that you wish to make a claim for compensation.

With suffering from these types of injuries there can be a lot of rehabilitation treatment to go through in order to aid your recovery. From physiotherapy treatment, chiropractic treatment, scans and possibly counselling or therapy if the accident has affected you psychologically, these treatments are all available on the NHS but it is likely that you would have to wait for the treatment.
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If you have had an accident through no fault of your own, you should look at putting in a claim for compensation for the pain, suffering, and any financial losses caused as a result. But another massively important thing that is often missed by lawyers is the need for you, the injured victim, to have the best possible medical care straightaway.

Under the rules that govern making a claim, the other side have a duty to help you out in any way they can to help you get better as quickly as possible. So if you need medical treatment, like physiotherapy or chiropractic assistance for example, you need it right away when you are suffering the most from your injuries. But, whilst the NHS can be fantastic with their rehabilitation services, there can be long waiting lists that can run in to months.

Problem solved if you make a claim with The Injury Lawyers – we can look to arrange for the funding of private medical care for the case. We can usually sort out the funding for it so you get access to the best and quickest treatment right away, and you don’t have to pay any upfront fees for it! If the claim wins we will add the fees to the compensation settlement figure for the other side to pay. If it doesn’t win, it is covered by a policy of insurance our medical partners have. It’s kind of like No Win, No Fee treatment!
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If you are lifting heavy objects at work then there is an obvious risk that you could sustain injury, especially if you have not received training or advice in respect of lifting heavy objects. An employer should provide you with training to enable you to do your job properly, without sustaining injury.

In terms of lifting heavy objects, there should be procedures in place to ensure that injuries are avoided all together or reduced as much as possible. In some jobs lifting and carrying heavy objects is simply part of the job. However workers should not be expected to do this blindly, they should receive training on lifting and carrying techniques.

An employer who does not provide adequate training is leaving itself open to negligence claims when employees become injured. Typical injuries could include back and or neck strain, shoulder strain etc. For objects that are particular heavy employers should consider other ways of moving the objects, perhaps by avoiding manual handling all together. You can of course move objects using equipment such as fork lift trucks.
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The whole purpose of manhole covers is to allow access to something below the ground but also to keep the area safe when access is not required. Basically, it stops there being a big hole in the middle of the street, which of course is not going to end well if you walk in to it!

However, some manhole covers can be extremely old and as many are made from metal, over the years, they have rusted and become unstable and consequently lead to serious injuries.

There are three main types of accidents that are caused by manhole covers:
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Ever seen the film the Invention of Lying, starring Ricky Gervais? It’s a great film; and I think it would be amazing if the concept could actually be true. Imagine a world where no-one can lie? It would be far better and fairer for those of us who live an honest life if all the cheaters and the scammers were unable to do what they do.

But how does this all tie in with a personal injury post?

Personal injury often gets a bad reputation. But to be honest, unless you’ve actually been in an accident and been injured, you probably just think it’s a “joke”.

People getting money for free! For nothing!
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This is something that always seems to worry people when they are considering making a claim – as understandably many people do not like the thought of being put in front of a judge with someone firing questions at them (like you see on the many court dramas on T.V). However, in the majority of civil claims they never get as far as going to court, so there really is no reason that this should deter you from pursuing a claim.

The civil procedure rules – the rules that govern personal injury claims – are specifically designed to stop the need to go to court. They do this through a number of ways with the main one being what is called a Part 36 offer. I will not go into much detail here about these, but they are a good example to show how the rules are designed to deter people from going to court.
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Legal expenses insurance is undoubtedly the biggest scam in the personal injury claims arena!. It involves your insurance company SELLING your details across to a solicitor – and this solicitor will then contact you and run your case (if you confirm with them of course). Many would think that, this has nothing to do with them – so what if they have bought my details – why does that matter to me?

I assure you IT DOES! Nothing causes more frustration here in the office, than when insurance companies and the solicitors involved in this system catch people in their trap.

Under the road traffic accident protocol, solicitors are only able to recover fixed fees. This is relevant because, if your solicitor has already paid a chunk of money to the insurance company for your details (shall we say £1,000 – which is not an uncommon amount), this takes away from the amount of money they have available to them to run your case.
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