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It is bad enough when you have been involved in a road traffic accident and your car has been damaged – particularly if your car happens to be your pride and joy, and getting it fixed is an absolute hassle.  It is worse though, where it is not just your car that is damaged, but where you have been injured in the accident as well. 

Where the accident was not your fault, you will often have a successful claim for compensation through the negligent drivers’ insurers if you wish to make one.  But, what if you have been injured and you wish to make a claim for compensation, but the other driver either fled the scene of the accident or was not insured.  How would you go about claiming compensation when the usual path is to seek it from the other side’s insurers?

Fortunately, you are not left in a scenario where you have no form of recourse.  Where the negligent party has not stuck around or has no insurance, you can still receive compensation; instead of receiving it from the other side’s insurers you will get it through an organisation called the Motor Insurers’ Bureau (‘MIB’).  It would be unpalatable if you were left uncompensated simply because the other side was not decent enough to stick around or did not abide by the law and pay for insurance.
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If you are reading this blog then you may have had liability admitted on your claim and you are wondering where you will be going from here. Well, firstly, having liability admitted is the first successful step towards getting your settlement as the other side have admitted fault for your accident – so you should be pleased.

From liability being admitted, your solicitor will arrange for you to be medically examined by a suitable expert medical consultant. This medical examination should be arranged at a time and place convenient for yourself – at The Injury Lawyers we ask for the examination to be arranged with the closest consultant to you with the shortest waiting list.

Before attending your medical appointment we advise our clients to ensure they inform the medic as fully and as accurately as possible – including the full accident circumstances and the various effects the accident and injuries have had on their life. We advise this as the medical report goes into detail about these various effects and so forms the basis from which your claim can be valued.
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You may think that you know what no win no fee means – i.e. it does what it says on the tin – you lose your claim and you do not have to pay a penny. But, what happens if you win your claim? Furthermore, how does it actually work?

Well I hope to shed some light on the above in this following blog:

If you lose your claim…
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Quite a lot of people are aware that where they have been injured through no fault of their own they could be entitled to compensation.  As such, they seek to instruct a lawyer to act on their behalf.  What most people are not sure about is how claiming for compensation works.  Here is a quick guide to the claiming process for most general accidents, such as accidents at work or accidents in the street.

The very first step is getting in touch with your injury lawyer and providing them with as much detail as possible about your accident.  So, if you tripped over a piece of defective paving whilst you were out shopping, your injury lawyer will need to know the precise location of the defect.  For example, it could be outside the entrance of a shop, or if it was outside a house, the number of the house and name of the road would be useful.  Of course, taking pictures of the defect and the accident location is also particularly helpful.

Once we have all your details, the details of the accident, and we know who we are to pursue your claim against, we then compile what is called the Letter of Claim.  This gets sent to the negligent third party and outlines what has happened and why we believe they should compensate you for your injuries.  By law they are entitled to a period of 21 days in which to respond to this letter and acknowledge receipt.
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At The Injury Lawyers we hear from our clients on a daily basis what a debilitating condition whiplash can be. This is why we treat it with the utmost seriousness and fight tooth and nail to maximise our client’s compensation.

Causes

Whiplash is caused by a sudden jolt to the head, causing the neck to move beyond its normal range. This in turn causes nerves, muscles and tendons in the neck to be damaged. This damage causes the symptoms of whiplash that I will discuss in the following blog.
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Many people may think that claiming for compensation is complex, complicated, and full of hassle. Well, I am writing this blog to explain that it doesn’t have to be that way, and that claiming for personal injury is very procedural and systematic – so, whether you are perusing a claim against a global corporation or against an individual, the system is the same.

The system I am about to describe is that which most personal injury claims run through, except for road traffic accidents that took place after 30^th April 2010 and are below a value of £10,000. If your claim is the exception then feel free to have a look at some of our other helpful blogs which will explain that process.

The first stage of beginning a claim for compensation is your solicitor sending out a Letter of Claim. This is the first correspondence a Defendant will receive on the matter and it aims to set out all the accident circumstances, your injuries, and the reasons for their negligence.
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OK – so you have had an accident through no fault of your own, and you believe you may be entitled to compensation for your injuries and any suffering you have had to endure. Who do you speak to for advice, and who do you instruct for your claim?

In all honesty, it’s entirely up to you! I of course will suggest that you speak to us as we are a firm of specialist personal injury lawyers. We are an actual law firm, so we do not pass details over to anyone else to have your claim – it’s us that advise you, and it’s us that represent you.

But aside from my attempts to sway you over to our service, here is a quick guide as to what you should look out for when it comes to getting the right advice and getting the right lawyer for your claim:
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What is Personal Protective Equipment?

Personal Protective Equipment, or PPE as it is more informally known, is equipment which can be used or worn to protect you from risks to your health and safety.  There is a wide range of PPE which is available depending on the job that you do, and the risks that are involved. PPE can range from safety boots, to safety goggles, to respirators.  PPE can be so important, as it does not just protect from those one-off accidents, but also those medical conditions which form over a period of time – known as industrial diseases. An example of an industrial disease is Vibration White Finger – the risk of getting this condition can be reduced through the use of PPE, such as anti-vibration gloves.  In severe cases of Vibration White Finger, a sufferer can lose all feeling in their fingers and through to their hands.

What are your employer’s duties?
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If you are reading this blog it is most likely because you have suffered a whiplash injury, and you want to know how much compensation you could be due.  This comes as no surprise to us at The Injury Lawyers because it is a question we get asked every day.  Unfortunately, there is no straightforward answer – but as experts in our field we can provide an estimate as to the value of your claim.

According to the Judicial Studies Board (JSB) Guidelines the following values for your whiplash injury apply:

Minor whiplash injuries = £875 to £5,150.00

Moderate whiplash injuries = £5,150 to £16,400

Severe whiplash injuries = £16,400 to £97.000

Here are a few further things to consider:
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Motorcycle accidents are unfortunately becoming more and more common. This is maybe due to the fact that motorcyclists are the more vulnerable road users in comparison to say cars users. Motorcycles do not have the same obvious in built protection such as that of welded metal and crumple zones which cars offer, and so once an accident occurs there are often more serious injuries involved. This is one of the reasons why for victims of motorcycle accidents choosing a specialist personal injury lawyer with a wealth of experience can make all the difference.

Being seriously injured means that your case is likely to be more complex and may last longer. In this instance it is especially advisable to avoid using referral agencies for your claim. Referral agencies simply sell on your claim onto a law firm giving them a drop in their profits to begin with, which can mean that you get a poorer service and possibly a claim that drags on longer than it needs to.

If you have been in an accident as described above, you may be looking for a law firm to instruct on your claim. I have therefore set out some of the benefits which you should look for in a firm below:
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