Around 4 million people will incur injuries that aren’t exactly their fault. Out of 4 people, only 1 will be able to successfully make a claim for their compensation. Often because they are either unaware that they are entitled to such compensation or are wary of complex and lengthy legal proceedings.
What is personal injury?
A personal injury refers to the legal remedies and defenses involved in civil lawsuits brought as a result of wrongful conduct. In simpler terms, it can be a physical or psychological injury, disease, or illness that could result in death.
Some examples of personal injuries are:
- injuries caused at work or work-related illnesses (e.g. a disease caused by working around asbestos);
- injuries caused in a traffic accident;
- injuries caused by faulty goods;
- injuries caused by the negligence of others (e.g. dental negligence); and
- injuries caused by a trip or fall.
What can I claim for?
You are entitled to claim for compensation as a result of the pain and suffering you have endured and all the losses you may have suffered as a result of the injuries you incurred, which include the following:
- loss of earnings;
- any insurance excess you might have had to pay;
- damages to your clothing and property;
- rehabilitation and the cost of ongoing care;
- home adaptations required; and
- any future losses (e.g. inability to work or loss of promotion prospects).
If you suffered injuries, the most common time limit for you to claim your compensation is within 3 years from the date of the accident or from the time you were made aware that you suffered an injury. You should be able to get legal advice as soon as possible if you want to make a claim. Depending on your situation, the court may or may not decide to extend the time limit.
Paying for legal action
It can be really expensive to move forward with legal action for compensation for personal injury—but help is available from a conditional fee agreement or an insurance policy in which legal expenses cover is attached (e.g. house contents policies, car insurance, or travel insurance policies).
How do I pay for a personal injury claim?
A no-win-no-fee arrangement is a contract between you and your personal injury solicitor which means:
- If your solicitor wins the injury claim, you pay them.
- If you don’t win your personal accident claim, you don’t pay them.
If you win, typically, the fee is up to 25% of the compensation secured although this figure can vary slightly depending on the claim circumstances. Their fee will only be deducted when your compensation is paid, with no upfront costs and no hidden charges.
If you don’t win, your solicitor will need to make an arrangement for an insurance for you to ensure claiming is risk-free—meaning, you will never be left out of pocket.