FAQs

Claims

Does it matter if I was injured whilst not wearing my seatbelt?

Your ability to claim compensation will not be affected by you not wearing a seat belt if one was fitted, but your compensation could be affected by up to 25%. It can also depend on what injuries occurred due to you not wearing the fitted seatbelt. Some injuries can also be cause by the wearing of seatbelts.

Can I recover the cost of hiring another vehicle whilst my vehicle is damaged?

Yes, the cost of replacement vehicle can be recovered for a reasonable period and providing the cost of the vehicle is kept to a minimum also providing the vehicle is comparable to the one you have lost.

How long do I have to make a claim after an accident?

The law states you have three years in which a claim. From the date of the accident or the date when you knew or ought to have known that you had a claim for compensation, whichever is the later? The longer you leave a claim before you deal with it, the more difficult it becomes. People’s memories fade and documents go missing all this makes it harder to pursue your personal injury claim. The best advice is to contact Injuries Direct at the earliest opportunity with your injury claim.

What if I lose the claim, will it cost me anything?

The scheme run by Injuries Direct ensures that no claim for costs can be made against you, irrespective of the outcome.

Will I have to attend for a medical examination?

Yes most injury claims require a medical report from an independent medical expert before compensation can be calculated. The medical expert report will obtain your medical records and makes sure that a balanced report is sent to your Solicitor.

Will my claim need to go to Court?

The majority of claims are settled out of court; only a very small minority of cases go to Court. But there is no obligation on you to go to Court, a typical reason a case will go to Court is if you are not happy with the compensation offer that has been made or you decide to go to Court not your Solicitor. The vast majority of cases settle without ever going near a Court.

If you or someone you know needs help, then let Injuries Direct get compensation for your personal Injuries. Call now on 0800 2800 979 alternatively fill out our Contact form

Compensation

Can I be compensated for losing my job?

You can recover loss of earnings for the time that you were injured, as for loss of employment in certain cases you can also recover a compensation known as loss of congenial employment. In plain English, you can be compensated for the fact that you loved your job and you may now have to take another job.

Can I be compensated for not being able to find another job after my injury?

Yes, handicap on the labour market is the area of law that covers this. Generally awarded in a lump sum by the courts which can be anything from 6 months to 2 years loss of earnings, this all depends upon the extent of the handicap and how realistic it is that you are going to be prejudiced on the open labour market.

Can I recover future loss of earnings?

If your future earning capacity is going to be affected by your injury, then you can recover loss of future earnings as well.

Can I recover the cost of someone looking after me when I am injured?

Yes, care costs can usually be recovered, either for the cost of a professional if needed to look after you that is justified by the medical evidence, or for the cost of a family member looking after you. The difference between a professional looking after to you and for a family member looking after you is obviously calculated at different rates.

How are my damages calculated?

The way damages are calculated are in accordance with the recommend ion to Judges by the Judicial Studies Guide. Our compensation calculator shows the approximate amount of damages. More complicated cases are dealt with by looking at reported cases of other injuries. In most cases, after the medical report is obtained, the Solicitor will be able to give you more guidance as to what figure your claim could be worth.

How long do I have to make a claim after an accident?

The law states you have three years in which to make a claim. From the date of the accident or the date when you knew or ought to have known that you had a claim for compensation, whichever is the later? The longer you leave a claim before you deal with it, the more difficult it becomes. People’s memories fade and documents go missing all this makes it harder to pursue your personal injury claim. The best advice is to contact Injuries Direct at the earliest opportunity with your injury claim.

How Much Compensation Will I Receive?

Again this depends entirely on the case circumstances and the severity of your injuries, as well as the time it took to fully recover. As every case is different it is impossible to give an exact indication of the amount you may receive. However due to legalisation, a case will only be possible if the injuries warrant more than £1000 in compensation.

If you or someone you know needs help, then let Injuries Direct get compensation for your personal Injuries. Call now on 0800 2800 979 alternatively fill out our Contact form

Courts

Will my claim need to go to Court?

The majority of claims are settled out of court; only a very small minority of cases go to court. But there is no obligation on you to go to court, a typical reason a case will go to court is if you are not happy with the compensation offer that has been made or you decide to go to court not your solicitor. The vast majority of cases settle without ever going near a court

For more information call Injuries Direct on 0800 2800 979, alternatively fill out our Contact form and one of our advisers will get back to you.

Damages

How are my damages calculated?

The way damages are calculated are in accordance with the recommendation to Judges by the Judicial Studies Guide. Our compensation calculator shows the approximate amount of damages. More complicated cases are dealt with by looking at reported cases of other injuries. In most cases, after the medical report is obtained, the Solicitor will be able to give you more guidance as to what figure your claim could be worth.

How long do I have to make a claim after an accident?

The law states you have three years in which to make a claim, from the date of the accident or the date when you knew or ought to have known that you had a claim for compensation, whichever is the later? The longer you leave a claim before you deal with it, the more difficult it becomes. People’s memories fade and documents go missing all this makes it harder to pursue your personal injury claim. The best advice is to contact Injuries Direct at the earliest opportunity with your injury claim.

If you or someone you know needs help, then let Injuries Direct get compensation for your personal Injuries. Call now on 0800 2800 979 alternatively fill out our Contact form

Injuries

What does injury mean?

The definition of an injury refers to harm caused by physical, emotional or psychological means. Compensation can be awarded for any of these complaints no matter how small, if they arose as a direct result of your accident.

What is a whiplash injury?

A whiplash injury usually occurs as a result of the body and head being violently thrown forwards and backwards, commonly as the result of a road traffic accident; this snapping motion causes soft tissue damage to the spine, usually in the neck area.

What is whiplash motion?

The motion that causes whiplash begins at the moment of impact; the head is violently snapped backwards while the body is forced into a forward movement. These opposing forces result in a condition known as hyper-extension as the muscles and ligaments of the neck and spine area get excessively straightened.

As the head reaches the full extent of its backwards motion it will then be forced into a return path in the opposite direction, (similar to the effect of cracking a whip), until the chin ends up touching the chest, known as hyper-flexion this results in even more damage to the soft tissue of the neck and spine.

This whole process happens extremely quickly, usually in about one fifth of a second and many people believe that only a high speed collision can cause typical whiplash symptoms, however recent research has suggested that whiplash can occur at speeds as low as eight miles per hour. Even at this low speed the head can move a distance of forty centimetres very quickly, resulting in the classic whiplash motion.

This whiplash effect rarely causes damage to bones, only soft tissue such as muscles and ligaments are affected, however the results can be extremely painful and uncomfortable.

What is Whiplash-Associated Disorder?

Often a much misunderstood term, whiplash is descriptive of the snapping motion of the neck but was not intended to describe the actual neck injury itself.

In an attempt to clarify this issue the Quebec Task Force on Whiplash Associated Disorders (WADS), stated that whiplash was an acceleration-deceleration mechanism, caused by energy transfer to the neck, usually as the result of a motor vehicle collision but not exclusively as diving and other mishaps could also cause the whiplash effect.

Whiplash could then result in soft tissue damage referred to as a ‘whiplash injury’, which in turn could lead to ‘whiplash associated disorders’ such as neck pain, restricted movement, pain in the shoulders, a tingling sensation of the arms, dizziness and even tinnitus and pains in the legs.

What are the symptoms of whiplash?

The symptoms of whiplash can vary widely and differ from person to person. However the most common symptom experienced by the majority of whiplash sufferers is restricted movement of the neck.

Other symptoms such as dizziness, tinnitus and others, only seem to occur in a small minority of patients and are known collectively as Whiplash Associated Disorders.

What are the most common symptoms?

The vast majority of whiplash sufferers often complain of restricted neck movement and pain in the neck area.

A study carried out in the United States and Australia showed that the cause of the neck pain is often due to damage of the facet joints, which allow rotation with the assistance of cartilage and lubricating fluid, however when damaged they do not perform correctly and result in pain and stiffening of the affected area.

Headaches are another common symptom of whiplash and are reported by 75% of victims suffering a whiplash associated disorder. This type of headache is referred to as a cervicogenic headache because they happen as a result of damage to the cervical area, the uppermost part of the spinal column.

Almost half of whiplash injury victims suffer with lower back pain, which is usually caused by damage to discs, facet joints or the sacroiliac joints.

Is there any less common symptoms?

There are numerous symptoms that can occur as a result of suffering a whiplash injury that only occur in a small percentage of victims, such as: a tingling sensation in the arms and fingers, loss of memory, depression, concentration problems, sleep deprivation, irritability, tinnitus (a ringing noise in the ears) and occasionally eyesight problems.

The majority of these symptoms occur as a result of nerve damage but pain, medication and even slight brain damage can be an influencing factor.

How do they diagnose Whiplash?

A whiplash injury can be notoriously difficult to diagnose, due to the fact that the condition cannot be identified by x-rays or by a physical examination.

However whiplash associated disorders have been the subject of many studies and are now a well documented condition recognised by the medical profession.

In the aftermath of a road traffic accident anyone suffering whiplash type symptoms should attend the accident and emergency department of their local hospital, or make an appointment to visit their GP, to rule out any possibility of a potentially dangerous neck fracture.

How do they Diagnose Whiplash Associated Disorders?

Whiplash associated disorders can continue to cause pain or discomfort many weeks after the initial accident and may require further exploration.

There are many techniques which are used nowadays to pinpoint particular neck injuries these include MRI scans (Magnetic Resonance Imaging), CT scans (computed tomography) and electromyography.

For more information call Injuries Direct on 0800 2800 979, alternatively fill out our Contact forman one of our advisers will get back to you.

Insurance

What is Before the Event Insurance?

Before the Event Insurance (BTE Insurance) is insurance that is taken out prior to any accident or injury to yourself.

This type of insurances can be found in a variety of places: home contents, buildings policies, credit cards or other club memberships. Sometimes Trade Unions operate BTE schemes. It is important that you make sure before any After the Event (ATE Insurance) insurance is taken out, because if there is valid BTE insurance then any ATE policy will not be valid and also the Conditional Fee Agreement that you have entered into may also be invalid.

What is After the Event Insurance?

After the Event Insurance (known as ATE Insurance) is a policy that can be taken out by your solicitor, on your behalf, to ensure that in the event of a claim not being successful you are not left liable for the payment of any legal fees. If the claim is successful, the cost of the premium is usually recovered. If the claim is unsuccessful, then usually the Solicitor pay’s the cost of the premium.

Can I recover medical expenses?

Yes, if you or your medical expenses insurance company have incurred prescription charges or you have been put to private expense for instance, then these can be recovered and either reimbursed to your insurance company or to you, dependent upon who has paid for them.

For more information call Injuries Direct on 0800 2800 979, alternatively fill out our Contact forman one of our advisers will get back to you.

Legal Aid

Is Legal Aid still available?

Yes, Legal Aid is only available in a very, very limited number of cases but is still available. Legal Aid can be awarded in cases of particular public interest or is an extremely high cost case.

For more information call Injuries Direct on 0800 2800 979, alternatively fill out our Contact forman one of our advisers will get back to you.

Loss of Earnings

Can I be compensated for not being able to find another job after my injury?

Yes, handicap on the labour market is the area of law that covers this. Generally awarded in a lump sum by the courts which can be anything from 6 months to 2 years loss of earnings, this all depends upon the extent of the handicap and how realistic it is that you are going to be prejudiced on the open labour market.

Can I be compensated for losing my job?

Yes: This can come in two parts. You can recover loss of earnings for the time that you were injured after you have lost your job and in certain cases you can also recover a compensation award which is known as loss of congenial employment, in other words, you can be compensated for the fact that you loved your job and you may now have to take another job.

Can I recover future loss of earnings?

Yes: If your future earning capacity is going to be affected by your injury then you can recover loss of earnings.

Can I recover loss of earnings if I am self-employed?

Yes you can recover loss of earnings. Loss of earnings for self-employed people can be calculated by looking at copy accounts, copy invoices, copy books and etc this does make it more difficult but, loss of earnings can be calculated.

Can I recover loss of earnings?

Yes you can recover loss of earnings. The loss of earnings claim is added onto your claim for injury.

For more information call Injuries Direct on 0800 2800 979, alternatively fill out our Contact formand one of our advisers will get back to you.

Loss of Job

Can I be compensated for not being able to find another job after my injury?

Yes, handicap on the labour market. Courts generally award a lump sum for this which can be anything from six months loss of earnings to two years loss of earnings. This will depend on the extent of the handicap and how realistic it is that this will prejudiced you on the open labour market.

 

Can I be compensated for losing my job?

You can recover loss of earnings for the time that you were injured, as for loss of employment in certain cases you can also recover a compensation known as loss of congenial employment, in plain English, you can be compensated for the fact that you loved your job and you may now have to take another job.

 

Can I recover future loss of earnings?

Yes: If your future earning capacity is going to be affected by your injury then you can recover loss of earnings.

For more information call Injuries Direct on 0800 2800 979, alternatively fill out our Contact forman one of our advisers will get back to you.

Medical Expenses

Can I recover medical expenses?

Yes, if you or your medical expenses insurance company have incurred prescription charges or you have been put to private expense for instance, then these can be recovered and either reimbursed to your insurance company or to you, dependent upon who has paid for them.

Will I have to attend for a medical examination?

Yes most injury claims require a medical report from an independent medical expert before compensation can be calculated. The medical expert report will obtain your medical records this and makes sure that a balanced report is sent to your Solicitor.

For more information call Injuries Direct on 0800 2800 979, alternatively fill out our Contact forman one of our advisers will get back to you.

Self Employed

Can I recover loss of earnings if I am self-employed?

Yes you can recover loss of earnings. Loss of earnings for self-employed people can be calculated by looking at copy accounts, copy invoices and copy books etc. This does make it more difficult but, loss of earnings can be calculated.

If you or someone you know needs help, then let Injuries Direct get compensation for your personal Injuries. Call now on 0800 2800 979 alternatively fill out our Contact form

How, What and When

How Much Compensation?

View our compensation calculator to see how much you may be entitled to.

How do I get compensation?

Thousands of people in the UK, many of whom have been injured in vehicle accidents but also at work or in a public place that was no fault of their own. If you have suffered a injury that was caused by someone else, we are here to help.

We are experts in Personal Injury Compensation and provide our customers with the very best representation for their personal injury claim.

So get in touch with us today to find out how our no win, no fee personal injury claim service can help you. You can request a call back and we’ll ring you at a time more convenient for yourself, or you can pick up the phone and call us any time of the day or night on 0800 2800 979.

Injuries Direct really are the Personal Injury claim specialists and we’re waiting to help you claim compensation right now.

What will I have to do?

Simply Pick up the phone and call 0800 2800 979 and we will guide you through the process with plain English and with no pressure.

Injuries Direct staff knows that this can be a difficult time and are there to help and make the process as easy as possible. Experienced in the range of symptoms people suffer in road traffic and other types of accidents take whiplash injury. Some symptoms of whiplash are common to most patients, such as restricted neck movement, whilst others are shown by only a small percentage of those with a Whiplash Associated Disorder (WAD).

Your claims handler will explain all the different steps to the easy way to claim process. We even send one of our experienced agents to your home or work if you prefer to explain all about the paper work and how your claim will be handled. And don’t forget you will have the name and phone number of your claims handler if you have any questions at any time. We are here to help and make it the Easy way to Claim.

When should I make a claim?

You should make your claim as soon as possibly after any accident but don’t worry you can make a claim up to 3 years after the incident Injuries Direct have helped thousands of people over the years with a variety of claims and are waiting to Help you get the compensation you are entitled to. So Call Now on 0800 2800 979

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