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Do any of these phrases or notions ring a bell to you?

• Whiplash claims push up premiums
• We have a whiplash epidemic that is costing the consumer with higher insurance premiums
• There is a ‘compensation  culture’ that needs to be stamped out
• If there were less claims, there would be lower premiums

Prepare to be shocked! Read on for an insight in to how it really works!

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Health and safety is of course vitally important. But it is also incredibly frustrating at times as well. We can all see that health and safety rules are necessary, such as in the workplace or at certain attractions (such as theme parks etc).

However health and safety rules sometimes seem ridiculous and this had lead to numerous people commenting that we are a society that has gone “health and safety mad”. When you contrast the workers of previous decades to the workers of today, you can see how things have changed. Obviously a lot of changes such as having protective clothing, hearing protection, hard hats etc have been welcomed and rightly so.

Health and safety rules have recently surfaced in the press again. In fact the BBC published an article on the 10^th September 2012 regarding ministers’ plans to exempt thousands of businesses from health and safety inspections.
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The Government have recently advised that in April 2013 routine health and safety inspections are no longer to continue on business premises that are considered to be of low risks. This new suggestion is part of the Government’s plans to remove or change more than 3,000 of the current health and safety regulations.

In the reformed plans, businesses that are deemed as high risk such as construction sites and food productions, or businesses that have a poor track record, will still be inspected for the purposes of health and safety. It has been said that establishments such as pubs, clubs, shops and offices are no longer to be subject to the inspections.

The new plans have been backed by the business minister Vince Cable stating that the reforms to health and safety will allow businesses to focus on creating jobs and wealth rather than “being tied up in necessary red tap”.
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Many people today are aware that they are entitled to claim compensation for injuries that occurred as a result of an accident. What they may not be aware of is that there is also a claim for financial losses that have been suffered as a result of their accident. These losses in some cases can be fairly substantial and form a large part of a client’s claim.

A good personal injury lawyer will advise you of your potential claimable losses from the outset of your case. This is to ensure that you keep all necessary documentation in support of your losses claim in a safe place – this documentation can vary from receipts, to wage slips. Once all your losses are compiled, they are gathered in a document known as a Schedule of Loss, or a Schedule of Special Damages. This document is then later disclosed to the other side in order to invite offers form settlement.

I have listed some of the main items of loss that we commonly claim for as part of the claims process:
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