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If you have been unlucky enough to have had a road traffic accident which was not your fault and you have ended up being injured in this accident, in all likelihood you will be entitled to compensation. Do not fear then if you have been involved in a road traffic accident whereby the other negligent driver was uninsured or did a runner. You are still able to make a claim for compensation! This is because of an organisation called the Motor Insurers’ Bureau.
This organisation has been set up so that those victims of road traffic accidents where the other party is uninsured and untraced and who have sustained an injury do not lose out on the compensation they would be able to obtain had the other negligent driver stuck around or had insurance. So, if you are one of the 23,000 unfortunate people a year who are the victims of uninsured or untraced drivers, it is important that you are aware that you are still able to make a claim for compensation – This entitlement does not disappear. Please do get in touch with a quality personal injury lawyer who will be able to provide you with some free legal advice and make sure that you get that maximum compensation you deserve.
Because the other negligent driver does not have insurance or has decided not to do the right thing and stick around does not mean that you are to be left uncompensated. I am not sure many of you will know this, but roughly £15-30 of each person’s vehicle insurance premium goes go an organisation called the Motor Insurers’ Bureau (‘MIB’). With this money, the MIB are able to pay the compensation you deserve if you have been the unfortunate victim of a road traffic accident out of which you sustained an injury.
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I hear some scary stories about No Win No Fee agreements; largely from accident victims who have heard them down the grapevine. It all places a significant amount of mistrust in lawyers from accident victims, and unfortunately victims are quick to accept what other people and insurance companies tell them.
So – here are some of the myth statements I have heard from people, together with the real explanation:
“If your claim loses under a No Win No Fee agreement, you still have to pay the insurance fees to your solicitor, or pay out for your own policy of insurance to cover any fees you may be liable for” – FALSE
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What am I Entitled to Claim For?
Did you know that if you have been involved in an accident that was not your fault you may be entitled to compensation? I would say that most of you are aware of this given that there has been a lot of advertising on this matter in recent times. However, are you aware that the compensation that you could be awarded does not solely relate to the injuries you have suffered? I would hazard a guess that most are probably unaware of this. The reality is that if you have been involved in an accident that was not your fault, you are entitled to make a claim for compensation to cover ALL of your losses.
What do I mean by all of your losses? Well, here is a very quick example – if you have had to take time off work because of your accident, it may be that you have only been paid statutory sick pay and that you have lost out on a certain amount of wages. Your lawyers can make a claim for this loss of earnings to make sure that you are put back in the position you would have been in had the accident not have occurred. So what else can a claim for compensation incorporate? Here is a quick guide:
Loss of earnings
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Personal Injury Claims Advice – When Should I Claim?
The clocks moving forward (ugh, an hour gone! But hurray for longer daylight hours!) got me thinking about how fast time moves. It only feels like yesterday since the clocks were being put back in preparation for Christmas. Christmas only feels like two minutes ago! It’s true; as you get older, time flies faster.
This, amongst several other reasons, is why a claim for compensation needs to be pursued sooner rather than later. There are strict time limits for people to claim; you’ve probably heard of the line “have you had an accident in the last three years?” It’s because, in most cases, you only have three years from the date of an accident to bring a claim for compensation. If you miss this vital deadline, your claim could become statute barred – meaning you cannot continue with a claim or make a claim at all.
You may think three years is a long time; and you may then think you should wait a little while to mull things over. It’s always advisable to have a think about things before going ahead with your claim, but realistically, you should launch your claim as soon as possible.
Why?
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OK – so I’ve been doing this for a while, and I know exactly how it works. So it should come as little surprise to me when I ask accident victims what they understand of the No Win No Fee system before I move forward to explaining it.
Yet I do still find myself slightly surprised to learn that most people still think there is a deduction from your compensation for a winning claim with any firm. This probably stems from the term No Win No Fee itself; it tells you there is no fee for a lost claim, but it tells you nothing about what happens if it wins?
The common questions:
Q: “What percentage of my claim do you take?”
Q: “How much is it to claim?”
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No Win No Fee Solicitors – Real Injury Lawyers
If you really do your homework about which lawyer you want to represent you for your claim for compensation, you may end up locking yourself in a small room and screaming for a little while after discovering there are literally HUNDREDS of us out there!
So – Who on earth do you choose to represent you for your claim?
Well, here’s a little advice about what you should and shouldn’t look for in an Injury Lawyer that should get you the best service and the maximum payout. So, if you’ve finished screaming, take a breather and digest this advice:
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When we think about compensation and road traffic accidents, I can hazard I guess that car accidents will be the first thing that comes to mind. Of course, many of the accidents on the roads do involve both parties being cars; but there are also many other accidents on the road which may also entitle the victim to compensation.
The title of this blog being bus accidents means you can probably guess what type of accidents I will be discussing – YES, its bus accidents.
If you have been involved in a road accident whilst on a bus which has caused you injury as a result, you have a high chance of having a claim for personal injury. This is because if the accident was due to the fault of the bus driver you may have a claim against the bus company who are vicariously liable for the driver’s actions. This means that the bus company can take responsibility for his actions. If on the other hand the cause of the accident was another road user, then you may have a claim for personal injury against them. In summary, in either scenario you may have a claim.
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There is a lot of information around at the moment regarding no win no fee agreements. This information is passed to us through television and radio advertisements. So you may think that you know what it means, but I can hazard a guess that if you read on you may find out some interesting points you did not know or even think to ask.
One of the questions many clients ask us is – ‘how do you get paid?’ Well if you win your case then our costs get paid by the other side and you get 100% of your compensation; and when I say all, I mean all. Compensation is meant to put you back in the position you would have been in had the accident never have happened – so if a solicitor took some of that, the whole argument for compensation would be nothing but a farce.
On the other hand, if you lost your claim (which we hope would not be the case as most firms only take a case on if we thought it had good prospects to succeed) we are able to claim back our losses from an insurance policy.
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When clients first approach The Injury Lawyers regarding their claims, they are aware that they may be entitled to compensation for their injuries, but are very often unaware of the extent of financial losses which may be claimed back separately to their injury compensation.
Upon taking on a new claim the advisors here at The Injury Lawyers would advise on all aspects of losses information. This serves to make the client aware that they must keep a log of any losses they have incurred / are incurring, and to keep any receipts or invoices for these in a safe place.
Once your losses information is collated by your solicitor, a document known as a Schedule of Loss can be drafted. This sets out all your items of financial loss. This Schedule should then be sent to you to be agreed. Many clients upon receipt of this Schedule question why there injury compensation is not listed as an item. Our answer to them is that injury compensation is claimed for separately to your losses and so does not form part of your Schedule of Loss. This being said however, your injury compensation and your losses may be paid in a settlement all in one global amount.
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What to know the secret to a successful claim for personal injury compensation? Well, read on for the three step guide to claiming the right way and maximising the potential of your compensation case:
Go Direct to an Injury Lawyer – Avoid Claims Companies, Insurers, and Middlemen
To get the advice and representation you need, go directly to a proper personal injury lawyer. Claims management companies, insurers, brokers, or any other middlemen are not lawyers. Sure, they can probably give you some advice; but they’re not qualified to run a personal injury claim from start to finish – so what do they really know?
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