Often clients approach The Injury Lawyers after being in a road traffic accident, where the driver at fault has either fled the scene without leaving any contact details, or their insurers details, or have reported that they do not have any insurance at all. This can leave many of our clients feeling angry and frustrated and unsure as to whether they can pursue a claim in these circumstances.

Upon having a free claims assessment with one of the team at The Injury Lawyers, we are able to happily inform these clients that they may have a claim through The Motor Insurers Bureau, or MIB, as they are more commonly known. The MIB is an organisation that was founded in 1949, and offers light at the end of the tunnel for victims of road traffic accidents in the situations I have described above.  The MIB are funded by motor insurance companies, so ultimately, they are funded by our motor insurance premiums. The MIB have calculated the cost to us to be around £15-£30 per motor insurance policy.

The MIB will not only look at giving you compensation for your injuries, but they will also look at compensating you for any vehicle repairs or vehicle hire needs you may require. Beginning a claim with the MIB means simply filling out a claim form – the whole process can be explained and dealt with on your behalf by a specialist personal injury lawyer.
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When I say Product Liability, all this means is that you have purchased a product which has caused you harm in some way after you have used it according to the instructions provided. The product has caused you harm through no fault of your own.

There are different types of product liability claiming – the topic of this blog will be on two of them.

Faulty Products
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If you are reading this blog you may be sat at home after having suffered an accident that was not your fault and you are deciding whether it is worth the effort and stress of pursuing a claim for personal injury. Well, I am here to give you a few reasons why beginning a claim can be beneficial – possibly listing some perks which you may not have even known were available.

Firstly …it does not have to be stressful

If you choose the right personal injury firm, you could be surprised on how hassle to you is kept to a minimum. There are a few ways in which you can identify a good law firm, and the one most major way is through their policies on client care and service standards. If a law firm has no policies on the service they give, this may tell you a lot about the firm; but, the things that you may want to look out for are policies such as returning client calls and e-mails within 24 hours, and updating clients every 2 weeks on the progress of their claim. This then means that you are kept in the loop with what is going on, and you are not constantly chasing for answers or things to be done.
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We all love going out for an evening – whether it be dancing in a night club, or going out for a quiet meal. However, I can hazard a guess that you would not anticipate having an accident whilst enjoying your evening, an accident that was not your fault and which leaves you with injuries.

If you have been in the above situation, you may have a claim for compensation.  However, it is the breach of duty of the owner that needs to be proven, together with the fact that this breach of duty has led to your injuries – which is known as causation.

The Duty of the Owner
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The value of your whiplash claim is dependent on a number of things. We can give you a rough idea as to how much you could be entitled to claim for; but ultimately, these factors need to be taken in to account:

• Specialist Injury Lawyer – make sure you have a fully qualified expert injury lawyer on your case, working on a Genuine No Win No Fee basis. This means 100% compensation for you if you win – no deductions, no charges. If the claim loses, you pay nothing – not a penny.
• The Severity of Your Suffering – the more you suffer, the more it is likely to be worth.
• The Length of Your Suffering – the longer you suffer, the more it is likely to be worth.
• The Impact the Suffering has on you – the bigger the impact, the more it can be worth. Things like domestic issues, social implications, and employment implications are taken in to account
• Your Losses – on top of your whiplash compensation, you can claim for lost earnings, medical expenses, travel expenses, and other financial losses that are a direct result of your accident and injuries.

So – why does the type of lawyer you have make a difference for your claim amount? Well, if you get an independent firm of expert injury lawyers, with years and years of experience in dealing with whiplash claims, you have a far better chance at securing the maximum amount of compensation you are entitled to get.
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If you have had an accident at work through no fault of your own, you are entitled to make a claim for compensation from your employer’s liability insurance policy that they must legally hold.

So long as your employer has in some way failed in the duty of care they have for you, or failed to reasonably and practically ensure your health and safety in the workplace, you should have a successful claim.

You can end up injured at work in a whole host of ways –
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If a minor (someone under the age of 18) has an accident through no fault of their own, and suffers an injury as a result, they are entitled to claim for compensation.  However, there is a caveat to this; by this, I mean they are able to claim, but they are not allowed to act on their own behalf.

This is where a litigation friend comes in. A litigation friend is someone who acts on behalf of the minor throughout their claim; this is usually the minor’s parent or guardian, or alternatively can be another trustworthy adult suitable for the role.

A litigation friend is needed as it is recognised by the Law that a child should be entitled to bring a claim for compensation just like anyone else – but the issue is that they are deemed not to have the ‘legal capacity’ to conduct the claim themselves. Litigation friends are also needed for protected parties, which are people who are not deemed to have the ‘mental capacity’ to act on their own behalf throughout their claim; legislation for this is contained under The Mental Health Act 2005.
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If you are reading this blog, you may be one of those many unfortunate people each year who suffer from whiplash due to an accident. When clients first approach us at The Injury Lawyers, they will often ask us what we think their claim is worth. In answer to this, we are often able to give a ball park figure around what we think their claim may be worth – but answering this question with any accuracy is very difficult.

The reason why giving this answer is difficult, is that the answer comes at the later stages of your claim when a medical report is gained. This medical report does not only assess your injuries, but also will detail the effects that injury has had on all areas of your life. This is why, before sending you for a medical appointment, we advise our clients to ensure they inform the medical professional of all the effects that the accident and subsequent injuries has had on their life.

This medical report, together with the advice and expertise of a specialist personal injury lawyer fighting your corner, will ensure that you get the maximum amount for your claim. A specialist personal injury lawyer will not only use his / her expertise and experience to value your claim, he/she may also use something known as the Judicial Studies Board Guidelines. These guidelines set whiplash injuries into bands in order to value them – these bands are set out below:
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Road traffic accidents are, sadly, an unavoidable fact of life.  I’m sure that most people come across them in some form every day – whether it is by witnessing one, driving past one, or hearing about one in the news.  I am not sure exactly why there are so many road accidents, but I would imagine it is because of the increased amount of traffic on our roads and because of the human element which sees each and every one of us make mistakes.

Did you know that if you have been involved in a road accident that was not entirely your fault, and you have sustained some form of injury, you may be due some compensation? That is, you can make a claim through a quality injury lawyer to obtain compensation through the negligent driver’s insurance.  So – how do I do this?  Well, the best thing to do is to find a quality injury lawyer with years of experience in dealing with road accident claims, as it is this specific type of injury lawyer who is ideally experienced, and is best able to help you bring your claim for compensation successfully.

Will it take long? I am not sure I can do with the hassle?
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There are a huge number of law firms out there who are all competing for your claim.  We can see this from the number of adverts we see on the television and hear on the radio. So, there is no wonder why making the choice of which firm to entrust with your personal injury claim can be a difficult one to make.  Hence why I am writing this blog today – to hopefully give you some tips on things to look out for when it comes to choosing the right law firm for you.

A first point to note is that it is not only law firms who are competing for your business, but also claim referral agencies. These agencies act as middlemen by selling on your claim to law firms. It is advisable to go to a law firm directly, as referral agencies may sell on your claim to the highest bidding firm rather than the firm that will give you the best service and representation. So – do your own research, and choose the right firm for you. I have listed below some things to look out for when choosing your lawyers:

100% of your compensation – the compensation you are awarded is meant to put you in the position you would have been in had the accident not taken place. Therefore, it is only right that you get 100% of it – no deductions, no hidden chares.
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