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Claiming for injuries on the road

Posted on by Andrew
If you are unlucky enough to be injured in a car crash (either as the driver or a passenger) – whether it is simple bruising and whiplash, or something more serious – it is worth finding out if you can claim compensation for those injuries and the process involved.

Who will pay for my injuries?

By law all drivers must have at least third-party insurance cover – this is commonly referred to as “Third Party Fire and Theft”. As a result of being insured, the insurance company of whichever party is found to be responsible for the accident will pick up the bill for compensation and legal costs if the driver causes an accident and injury to any other party. This includes injuries which any passenger may suffer also, and they do not need to be related to the driver.

However, if the party responsible for the accident does not have insurance, this does not mean you cannot make a claim. Not only will the other party be breaking the law, but there is a Government body set up for scenarios such as this – this is called the Motor Insurance Bureau. Our helpful solicitors also have experience in dealing with these types of claims, so do not worry.

What do I do?

The first thing to do if you have been involved in a road traffic accident, is to take the name and address (and insurance details if possible) of everyone involved. This will make claiming much easier. If there were other vehicles involved also, do try and get the Vehicle Registration Number also.

You should then follow the below steps:

  1. Report the accident to the Police, especially if were you not able to get the other party’s details.
  2. Note down any damage to your vehicle and take photos of the scene of the accident if you can, and it is safe to do so.
  3. Get the names and addresses of any witnesses.
  4. Notify your insurance company of the incident.

If you believe you have been injured, even if it seems like a minor pain or ache, get medical attention. Whiplash is a term that we hear a lot, but it can also be extremely painful. It also does not come on straight away; after you have had an accident your body will be in shock, so it might not be until a few days later that you start to notice your pain.

The cost of claiming

As with other types of accidents that we deal with, you should be able to pursue a claim under a ‘No Win No Fee’ agreement. If you’ve suffered an injury and you would like to discuss your options, contact us today to see how we can help make it right. Either complete our simple call back form or call us for free on 0800 170 7070.

What is a personal injury claim?

Posted on by Andrew
A personal injury claim is a process you can begin if you’ve been hurt in an accident and it was someone else’s fault. It is a legal way of recovering compensation from the other party, who was responsible for your injury. This usually comes from the other party’s insurance company. The majority of personal injury claims can be made using a no win no fee agreement, which means there are no upfront costs and you pay nothing if your claim is unsuccessful.

Typically, you can make a claim for personal injury if you have been hurt in any kind of accident in the following circumstances:

  1. You were physically injured due to the incident
  2. The accident took place within the last three years (or you were under 21 at the time of the accident)
  3. The injury was caused wholly or partly by somebody else

Nobody expects to be involved in an accident which leaves them injured, and it can be really upsetting when it does happen. That’s why we’re proud to have over 30 years’ experience helping people after they’ve been involved in an accident. We offer free, impartial advice about personal injury compensation and can guide you through the first important steps of your claim.

If you choose to start your claim with Exert Law, we’ll introduce you to one of our expert personal injury solicitors who will get your claim started.

If you’ve suffered an injury and you would like to discuss your options, contact us today to see how we can help make it right. Either complete our simple call back form or call us for free on 0800 170 7070.

Claiming for injuries in the Workplace

Posted on by Andrew
These fears, however, are largely groundless as all employers are obliged by law to have Employer’s Liability Insurance. This is a type of insurance which should cover them if an employee is injured in the workplace and wishes to claim compensation for this. Employers are not allowed to by law discriminate against employees simply because they are pursuing a legitimate compensation claim, and if they do, this can result in further action being taken against the firm.

Should you be the victim of an accident at work, it is important that you make sure it is reported, as this can be used as evidence that your accident occurred. Accidents, no matter how minor, should be recorded in the company’s accident book, which is obligatory for companies with 10 employees or more. If you have to miss work because of your injuries, then you should make sure you get statutory sick pay which can be paid for up to 28 weeks to those unable to work due to illness or injury.

Your claim for compensation will likely hinge on whether you can prove the negligence of your employer. They must provide:

  1. Safe premises in which to work.
  2. Safe working procedure.
  3. Suitable materials and equipment, with adequate supervision.
  4. Competent staff.

Just like other types of accidents, you have 3 years to make a claim from the date of the accident and you should not hesitate to make a claim if you have suffered as your employer should be insured.

There are different types of compensation that you can claim for, and these will cover the different types of loss that you experience. These could be:

  1. Loss of income – if you have had to take time off work and lost your salary as a result of the injury.
  2. Travel expenses – if you have had to travel for medical treatment, you may be able to claim the costs of this back.
  3. Medical costs – if you have had to obtain private medical care as it was not an option on the NHS, you could reclaim these costs.
  4. Pain and suffering – this is the most common type of compensation and you will, as a minimum, receive compensation for the injury itself.

As with other types of accidents that we deal with, you should be able to pursue a claim under a ‘No Win No Fee’ agreement. If you’ve suffered an injury and you would like to discuss your options, contact us today to see how we can help make it right. Either complete our simple call back form or call us for free on 0800 170 7070.

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