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I am sure most of us realise that is illegal to drive without insurance – one thing is for certain however, some of us choose to drive without insurance.  In fact, each year, one million people drive on our roads without insurance.

Given that the usual route to getting compensation if you have been injured by a negligent third party in a road traffic accident is by pursuing their insurance company, this begs the question, how do you get compensation from an uninsured driver?

An expert injury lawyer should advise that you can still make a claim for compensation through the Motor Insurers’ Bureau who were set up back in 1946 to help those who suffer at the hands of negligent uninsured drivers.  After all, just imagine a scenario where you were unable to get compensation for you injuries simply because the Defendant committed the offence of driving without insurance, this would not be right.  That is why, each year, when you pay for your insurance premium, about £15 to £30 of this goes to the Motor Insurers’ Bureau compensation fund.  You just never know, one day it may come in handy for you!
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If someone asked me what I considered to be a ‘dead cert’ for a claim for compensation, I would say a passenger claiming compensation for injuries they received whilst involved in a road traffic accident. 

A passenger would have to do something highly unusual, possibly extreme, to be considered to be at fault for causing an accident on the road.  Under current law, you can be compensated for any injuries you have got through no fault of your own, which is why passenger accident claims are often the most straightforward.
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I expect that not everyone reading this blog will know what a pre-medical offer is, let alone have ever received one. Let me quickly explain.

The claims process is quite structured…  Your injury lawyer will submit a ‘Letter of Claim’ which outlines your accident and injuries to the Defendant at the beginning of your claim and the Defendant will be allowed to make investigations. 

Once liability is admitted, you will be asked to attend a medical appointment so that a medical report can be compiled which provides a diagnosis and prognosis. 

With your permission, this is then disclosed to the Defendant along with any details of other losses you may have, and offers of compensation are invited. 

A pre-medical offer therefore is an offer that is made by the Defendant in respect of your injuries prior to you disclosing or even obtaining a medical report.
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Most people in the United Kingdom drive.  Some are more confident drivers than others, but I think it is fair to say that there is always an aspect of driving that people least prefer.  For some people, the use of roundabouts can be terrifying, or at least, not particularly pleasurable.  Unfortunately accidents on roundabouts occur daily.  But it is not just those people who dislike roundabouts and are nervous when approaching a roundabout that cause the accidents, people who are overconfident often cause accidents too.

There are several types of accidents which happen on roundabouts.  Here are a few examples:

• You are waiting to get onto the roundabout and are queuing in traffic on the approach when a vehicle fails to heed the presence of your vehicle and slow down in time and goes into the rear of your vehicle
• You are proceeding round the roundabout when someone pulls out onto the lane in front of you mistakenly thinking they have enough time to do so and collides with your vehicle
• You are proceeding round the roundabout when someone realises they are in the wrong lane, and without noticing that you are in the lane, they want to be in changes lane and collides into your vehicle

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Since this whole scandal came to light, we have spoken to countless victims of the PIP implant problem and taken on a significant number of compensation claims over the last few months.

Our Specialist PIP Compensation Team have been growing increasingly concerned over the sheer number of people who are reporting that their medical groups and clinics have been treating them entirely inappropriately.

It’s fair to say that a good 99% of the people we speak to have all shared their horror stories of how their clinic has failed them in some way.
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It’s not unusual to receive a pre-medical offer nowadays.  A pre-medical offer is an offer made in respect of your injuries before you get a medical report.  The usual claims process is for you to attend a medical appointment with a medical expert once liability for your accident has been admitted so that a legal medical report can be obtained. 

If you are happy with this, it will be disclosed to the Defendant and they will have a period of 21 days to make you an offer of compensation and negotiations can go from there.  More often now, we are coming across Defendant’s making offers to settle your claim prior to you getting a medical report.

Is this a problem?
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As the scandal surrounding the PIP implants continues, there are thousands of women who are in desperate need of advice, guidance, and answers as to what they should do if they are affected by the PIP implant scandal.

One of the crucial things that the victims want to know is information about the symptoms of a ruptured implant. Given that the implants are said to be subject to easy rupture, and contain an industrial grade silicone capable of causing harm to the human body, people are worried.

Recognised Symptoms
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If you ever injure yourself in the workplace, its good practice to report it to a superior as soon after the accident as possible; permitting you don’t need urgent medical attention or anything. No matter how big or small the injury is, you would be wise to notify someone and get it properly recorded to make sure there is a solid record of exactly what happened.

This is especially useful for making a claim for compensation. So if you are considering making one and haven’t yet reported the injury, I’d speak to your employer as soon as you can!

So, here’s a little advice on reporting the accident and what happens next:
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Manual handling injuries can be devastating; the back is, after all, one of the most important parts of our bodies. Injuring your back can range from discomfort to immobility. Its important that we look after our backs, so its important that we lift in the right way to make sure that we never end up injuring ourselves in the line of duty for our employers.

Manual Handling affects everyone – even the office workers that every now and then need to carry a stack of files or a box of paper from A to B need to make sure that they are doing it in the right way to avoid injury. For those of you where manual handling is an active part of your daily routine, I’d like to think you know the dangers and the health and safety rules inside out.

Rules and Regulations
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Claiming for injury compensation from road traffic accidents is dead easy; especially since a new system was introduced in April 2010 which made the process faster and less complicated. 

Nowadays you can get the other side to admit liability in 3 or so weeks and once that’s done it’s just a matter of getting medical evidence and settling your claim which doesn’t take that long either.

The first stage of the new process is to submit a Claim Notification Form.  This a simple form which just details what happened in your accident and names the people and vehicles involved.  It gets submitted online via the Ministry of Justice portal and the Defendant then has just 1 business day to acknowledge it and then a further 15 business days to admit or deny liability. 
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