Personal Injury Claims Explained


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By Crispin Bateman

on Friday 22 February 2019


Person being injured in car crash

What are personal injury claims?

What types of personal injury claim are there?

How much personal injury compensation could I get?

Is there a time limit on personal injury claims?

How long does a personal injury claim take to settle?

What is the claim money for?

How many personal injury claims go to court?

The first stage of a personal injury claim

What are personal injury claims?

Legally, a personal injury claim is an application for financial compensation following an injury that occurred due to a situation that was not your fault.

In real terms, that means you getting money to help cover your losses when you have an accident and are injured for something that someone else was to blame for.

Personal injury claims are a way for you to receive the money you are entitled to. That money can help you pay your bills and maintain your life while your injury prevents you from working, can be used to pay for specialist treatment or help with recovery, and covers your expenses that build up from dealing with your accident.

What types of personal injury claim are there?

Personal injury can refer to both physical and mental injuries. It covers a wide range of situations, from accidents in the workplace, through medical negligence and road traffic accidents. A more comprehensive list of personal injury claim situations includes:

Road traffic accident and car accident claims

If you have been involved in a car accident that was not your fault and you or any of your passengers were injured, then you are entitled to a financial settlement to help you deal with the situation.

Road traffic accidents can have all sorts of associated injuries and can result in all sorts of compensation awards, from whiplash claims to life-changing mental health injuries such as post-traumatic stress disorder and, unfortunately, even death.

Pursuing a road traffic accident claim through your car insurance company is the default option for many. Unfortunately, due to their focus on their core business and the way insurance companies use a panel of solicitors to undertake any claims on their behalf, insurance companies may not be working as hard as they could be for your personal benefit.

By using a personal injury lawyer, such as Accident Line Direct, you have the dedicated help and support of a professional team of specialists who will work on a no win no fee basis to make sure you receive the maximum possible financial award.

Accidents at work and industrial diseases

Workplace incidents are another common area of personal injury claim. These can range greatly in scope, from a slip, trip or fall that leads to a broken arm or damage to the back, through to accidents with heavy work machinery with serious consequences.

When making a claim against your employer, or former employer, it is important to remember that they have insurance in place to protect the company from the financial devastation of a significant compensation payout. You should not feel guilty or worry about the job security and stability of friends and colleagues as the insurance will protect the company in every way. You should also not feel worried for your own position in the company if you continue to work there, as the law protects you from any prejudice or negative impact that might arise from filing a compensation claim.

Work related incidents do not stop at physical accidents, in addition to mental health issues that might occur from stress, overworking, or being an onlooker during a serious incident, Accident Line Direct deals with issues of industrial disease and work-related illness.

Industrial diseases, for example asbestos-related diseases, can remain hidden for many years and may only surface in later life. Accident Line Direct are specialists in this field and can help you get the substantial compensation you are entitled to should you develop a problem later in life that can be tied to your previous time working – even if the company involved is no longer in existence.

Medical negligence claims

Medical and clinical negligence is a third area of personal injury claims in the UK that our specialist no win no fee solicitors at Accident Line Direct can help with.

If you have suffered due to a medical procedure that went wrong, because you have been given poor advice by a doctor, or from a lack of quality aftercare service, then you have been a victim of medical negligence and deserve full compensation.

Medical negligence claims can be time-consuming and difficult to process to the end. Attempting such a claim without a professional and experienced team will often lead to a disappointing result. Accident Line Direct have teams that specialise purely in following through medical negligence compensation awards to a final substantial payout and will work with you to ensure you get the maximum award possible.

Accidents in public places, private venues and holiday sickness claims

If you have suffered an injury or illness while enjoying the facilities of either a public or private venue, then the organisation or company that manages that venue is responsible for paying you a compensation award.

This could be anything from a trip on the pavement, which the local council would be responsible for, a broken arm caused by a fall in an area of poor lighting at a nightclub or contracting significant food poisoning while enjoying a restaurant meal during a break.

Accident Line Direct can help you receive the financial award you need to pay for all your expenses and cover your losses because of your accident, and because we work on a no win no fee basis, it’ll cost you nothing to put your claim forward.

How much personal injury compensation could I get?

The compensation payout given for personal injury claims across the UK is worked out using a set of guidelines that are followed by every court in the country. This is to ensure a fair payment no matter the specifics of location or the particular judges seen.

Your compensation amount may include:

  • Medical expenses
  • Personal expenses
  • Loss of earnings
  • Money to provide equipment and home changes to adapt to a new lifestyle
  • Compensation for pain and suffering
  • Funding for top-quality rehabilitation

At Accident Line Direct we have a comprehensive library of articles available for you to read in order to understand more about your specific claim, whether it’s for vibration white finger, a motorbike accident or a whiplash claim. Take a look to see what your injury could be worth in terms of pure financial compensation.

Is there a time limit on personal injury claims?

In the UK, there is a standard three-year limit on any personal injury claim, meaning you have to start the process with us within three years of the original incident.

There are some exceptions to this rule, including incidents of industrial disease where the symptoms only began to show many years, or even decades, after the initial exposure to the hazardous material. In these cases, the time limit of three years begins from the date of diagnosis.

In all cases, it is better to start your claim for compensation sooner rather than later. Not only does this mean that you are more likely to have accurate records and paperwork to help the case, but also gets you the money sooner – when you need it.

How long does a personal injury claim take to settle?

The personal injury claims process can take months and often even years. There are a lot of factors that must be considered, and a lot of information needs to be gathered. If your claim is accepted without argument, then it could be resolved very quickly, but should the defendant wish to properly refute the claim then you could find that the process is much longer than you might want.

In many cases, such as when dealing with the armed forces, there is a set period of eighteen months, or three years, during which time all cases are settled. Of course, targets like this do not exist when the claim is unique. You need to be prepared for a lengthy process, but our solicitors will do their utmost to make the process as efficient as possible.

What is the claim money for?

The courts will award money based on many factors – your personal expenses, medical costs, rehabilitation costs, the need for new equipment to help you with your adjustments, alterations to your home and more.

Outside of the obvious expenses, you will also be awarded a value that you get for pain and suffering.

Your personal circumstance may mean that you are able to front the money for any expert rehabilitation or other costs which you will claim back once everything is settled, but if you are unable to do that, it is important that we push the claim through as quickly as possible so that no legal delays inhibit your ability to recover. Throughout the process, your wellbeing is central.

How many personal injury claims go to court?

Surprisingly, few claims reach the situation where they are brought to court. Solicitors on both sides are typically quality professionals who understand the system and, in most cases, can come to the same conclusion as the court, even down to the specific value of a claim.

Reaching a settlement out of court is substantially cheaper for the defendant and they are usually eager to find an agreement that is acceptable to both parties without resorting to a higher authority.

Of course, should an agreement not be possible, the courts are always there to resolve the case and bring it to completion.

I need to claim for compensation – what’s the first stage of a personal injury claim?

Give us a call at Accident Line Direct today. Our understanding first-line support advisors will be able to provide an initial assessment of your case and pass it on to the right team of personal injury lawyers to get it moving.

At Accident Line Direct we work on a No Win No Fee basis because we believe that everyone, no matter their financial background, is entitled to quality representation. Under No Win No Fee, also called a Conditional Fee Agreement, we will charge you nothing to represent you and bring your case to completion, tying our fortunes in with your own and making our fee through a final success fee that is a small percentage of your final compensation award.

In this way, our team have the full incentive to work at 100% of their skills to bring your case to a successful end and with the maximum possible award given. We work diligently to make sure that there are no holes in your claim and will be there for you every step of the way to get you the best result.

For more information, or to start your claim, either fill in our short contact form or give us a call today!

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