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If you have been in a road traffic accident with an uninsured driver which was not your fault, you can be compensated for any injuries you have picked up.

Usually, it would be a matter of making a claim through the negligent drivers’ insurance company, but in this case the driver didn’t have insurance.  Not to worry, because back in 1946 the Motor Insurers’ Bureau was set up to deal with claims for compensation arising from the negligence of uninsured drivers.

In most cases it will be best to go through the Motor Insurers’ Bureau because the Defendant themselves is unlikely to be worth personally suing; in other words, they aren’t likely to have the money to pay your compensation.  They didn’t have insurance after all!  Each year, from everyone’s insurance premiums, about £15.00 to £30.00 is put in the Motor Insurers’ Bureau’s compensation fund so that the innocent victims of negligence can be compensated.  It would be unjust if because someone didn’t bother to get insurance and you were unable to be compensated as a result.
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Nowadays receiving a ‘pre-med’ offer in respect of compensation for your injuries is common.  What I mean by a ‘pre-med’ offer is a pre-medical offer – i.e. an offer made to you by the Defendant without medical evidence having been sought. 

The normal procedure in the claims process is to obtain medical evidence after the Defendant has admitted liability.  Medical evidence is important because it allows your injuries to be properly diagnosed and detailed so you can find out how long a medical expert believes you will be suffering for. The general rule is that the more severe and long lasting your injury is, the more it is worth. Naturally, having a medical report allows your claim to be properly valued by confirming this.
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If you are ever unfortunate enough to suffer an injury which you believe is a direct result of someone else’s negligence, you have every chance of claiming compensation by making a personal injury claim; and we at The Injury Lawyers can assist you in this to ensure that the process is as hassle free and straightforward as possible, allowing you the time and opportunity to focus your attentions on the most important priority – your recovery.

The protocol surrounding most personal injury claims is as follows –

Upon receiving details of your claim, we will send a letter of claim to the defendants which outlines the details of your accident and injuries, and how we believe them to be liable. From here we give them a period of 21 days to respond to our letter, informing us that they have acknowledged our claim and have forwarded the details over to their representing insurers.
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If you are claiming for compensation and the insurers representing the other side have admitted liability (i.e. agreed to pay out for your claim), it is quite common these days to receive a pre-medical offer – or pre-med as they are commonly referred to.

What is a pre-med offer? 

It is an offer of settlement, without the evidence and sight of a medical report, put forward by the third party insurer to the legal representative of the claimant. In today’s economic climate, for some individuals this may be quite tempting to accept at the early stage of an injury claim.
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The founder of Poly Implant Prothese (P.I.P), Mr Jean-Claude Mas, has been arrested in France following the investigation in to the low grade silicon and poor quality of implant manufactured by his company that has the potential to cause serious injury and harm to the suspected 400,000 women around the world who have had the P.I.P implant used in surgery.

According to sources from the BBC (http://www.bbc.co.uk/news/world-europe-16736385) Mr Mas has been taken in to custody in Marseilles, where his lawyer has told a news agency that “he is not well, he is tired and he is waiting for his doctor.”

Investigations that date back to May 2010 in France confirmed that the company P.I.P had been using low grade silicon that is commonly used for industrial purposes in the production of mattresses and pillows, and is not to the standard of the European CE Mark approved gel that had originally been used. The silicon has the potential to cause irritation, and may even affect the victims DNA if ongoing tests conclude such dangers.
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We are The Injury Lawyers – and we think our name says it all. We are THE INJURY LAWYERS, meaning we only deal with personal injury compensation claims, so we can offer you a more specialist service and a lawyer with specialist experience and skills. To narrow it down a little more, we specialise in all forms of personal injury claims; with work accident compensation claims making up a large percentage of our client base.

So, if you’ve had an accident at work, and you’re looking for a work accident compensation claim lawyer, look no further, and take note of this three part guide that will fill you in on what you need to know.

1. Your Position and Employment is Protected
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You might have been told that you can claim for losses that result from your accident as well as claiming injury compensation – which is absolutely right.  But you might not have been told what the difference between General Damages (the compensation for your injuries) and Special Damages is.  At The Injury Lawyers we like to keep our advice simple and speak in plain language; so here’s a quick guide to Special Damages.

If you have been injured through no fault of your own, you can claim compensation.  The compensation you get for your injuries alone is called General Damages.  So you have whiplash, and you make a claim and get £1,500.00 for your injuries.  This is your general damages.  Ok, but did you know that you can also be get compensation for any other losses that come from your accident as well?  You can, and these are called Special Damages.  This is compensation for your financial losses.

What exactly are Special Damages?
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Our name is a bit of a giveaway about what we specialise in; as The Injury Lawyers, we represent clients for personal injury cases, and nothing else! Because we specialise in all forms of injury claims, we think we’re the best choice for any sort of claim – whether it’s a straightforward soft tissue injury, to broken bones and severe trauma injuries.

If you are unfortunate enough to be suffering with a severe injury, you will probably be considering the avenue of making a claim a little more carefully – ultimately, your claim could be worth a lot of money, which means two things – 1. You want to make sure you get 100% of the maximum amount you are entitled to claim for; and 2. The insurers for the other side will not want to pay you a huge sum of compensation as it costs them a lot of money – they are far more likely to try and defend your claim and reduce your payout by any means they possibly can.

What I’m saying here is that if you have suffered a serious injury, you need, and I mean NEED, a specialist personal injury lawyer representing you for your claim to make sure you miss out on nothing. So, here is a guide as to what you should look for in your injury lawyer:
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One of the more common questions we get asked is whether someone has a claim for compensation – in other words, are they likely to actually win the claim and receive some compensation. 

Naturally some claims are harder to assess than others, but probably the easiest claim to assess is a passenger injury claim. That’s where you have been involved in a car crash and you are either the passenger in the vehicle which has been hit by the Defendant or the passenger in the vehicle which caused the accident.

You have a great claim, because unless you did something highly unusual, like pull the handbrake or severely distract the driver, it is highly unlikely that you were at fault for the accident and therefore you can be compensated for any injuries suffered.
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A lot of people who suffer debilitating injuries in an accident that was caused through no fault of their own end up losing earnings from time off of work. It’s one of the most common classes of financial losses that’s involved in a claim for compensation. Many people only receive statutory sick pay when they are off work for long periods of time; if you are lucky enough to have a company sick pay that pays you in full, this may not apply to you too much – but if it’s only a partial pay, then read on!

Anyone who loses out on earnings through being unable to work is entitled to make a claim for this loss that forms as part of their overall compensation claim. Your claim comes in to two parts – General Damages, and Special Damages. General Damages covers the injury itself, and Special Damages covers the financial loses, to which lost earnings are a part of.

Its normally pretty easy to work it out as well – if you have two weeks off of work and you are paid absolutely nothing, you are entitled to claim two weeks work of full earnings back. If you were paid Statutory Sick Pay, then you claim back the difference between that and the lost earnings. If you receive half pay through a company sick pay policy, than you claim back the other lost half as part of the claim.
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