Secure Your Insurance Policies with our Help

Are you insured? In this day and age, one cannot be complacent about his or her safety. anything can happen. One moment you’re crossing the street and before you know it, you got sideswiped by a drunk driver running the red light. It’s this kind of unpredictability that forces individuals like you and me to think about our personal safety, and with this safety comes the peace of mind that we’re covered. I am talking about insurance policies. There are a lot of insurance companies that sell policies at varying prices and packages, but how does one know which to pick?

life-insurance-costOur services as accident lawyers go beyond fighting for your rights in a traffic accident court battle. We also help provide coverage by helping you manage your insurance policies that will protect you from being unprepared financially. We work with the best insurance companies in the local area so you don’t have to go looking or snooping around for them. We also help you figure out which coverage is best for you and for your family, even to the point of thinking about the worst case scenarios possible.

Lastly, we make sure that your insurance policies are honoured by hospitals and clinics and pharmacies all across the country so you don’t have to worry about your bills. With our help, we can help secure your present and future.

Accident Compensation Claims – Should You Make an Accident Claim?

personal injuryFollowing an accident, there is a lot to think about. You may have to get used to sudden lifestyle changes, and the recovery period can be long and demanding. For many people, legal action against those responsible is the last thing on their mind.

However, making an accident compensation claim is often a very necessary and beneficial way to deal with the issues which arise following a serious injury, such as financial losses due to time off work. Read on to find out if you might be able to make an accident compensation claim.

Not everyone is eligible to make a claim for compensation. If you want to know whether you can make an accident injury claim, take a look through this list of questions:

1) Did your accident happen in the last three years? The answer needs to be ‘yes’ to make you eligible for an accident claim. This rule does not apply, though, to claims for illnesses such as asbestosis or work-induced cancers.

2) Was the accident someone else’s fault? As you make expect, the answer needs to be at least partly ‘yes’, if you want to make an accident compensation claim.

3) Did your accident happen in the UK? If not, you could still make an accident compensation claim, but different rules may apply, such as the time limit allowed following the accident for making a claim. The best thing to do is gain free legal advice from a reputable claims management company to find out if you can still make an accident claim.

Many people who are eligible to make an accident claim fear doing so for a variety of reasons. If you think you might be entitled to compensation but are still are concerned about making an accident claim, read on to see if we can allay your fears.

1) Do I need to have money to make an accident compensation claim? The answer to this question is almost certainly ‘no’. In the UK, we have a system of ‘no win no fee’ accident claims, which means that if you don’t win your case, you do not have to pay. If your case is won, any solicitor’s fees and expenses will usually be recovered from the other side as well, meaning that you pay nothing.

2) Do I need to understand legal issues to make an accident compensation claim? Again, the answer to this question is ‘no’. Your accident claim solicitor will be able to guide you through the process and complete any complex paperwork on your behalf.

3) If I make a work accident claim, am I in danger of being dismissed? It is categorically unlawful to dismiss an employee because they have made an accident compensation claim. Plus, all employers are required to have insurance against accident claims, meaning that it will be the insurance company which pays your compensation.

If you think you would like to make an accident compensation claim, it is best to seek professional advice immediately. The sooner you initiate your claim, the sooner you can receive your compensation.

Compensation Claims – A 7-step Guide to the Personal Injury Claims Process

Personal-Injury-ClaimHere is a brief outline of the claims process you will go through if you choose to make a no win, no fee personal injury claim. Many of the steps listed here can be completed by your solicitor in your absence, and the rest will be explained to you in more detail by your solicitor.

1) Finding a solicitor to handle your case

First of all, you need to find or be assigned a solicitor. Sometimes, this is done via a claims company, who will assess whether you have a valid personal injury claim before assigning you a specialist solicitor in your area, and sometimes people go to solicitors directly.

The choice entirely down to personal discretion and convenience, and should not make a difference to the compensation to which you are entitled.

2) Consultation with the solicitor

Once you have found a solicitor, they will ask you some questions about your accident and injury, and decide on how to proceed with your claim.

3) Letter of Claim

The solicitor will then send a Letter of Claim to the defendant, which will state that you will be claiming compensation for your injuries, which were caused by their fault.

4) Medical assessment

The solicitor will instruct an expert to asses you medically and determine the precise nature of your injury. The medical assessment will usually be more useful for your claim if you have initiated the claim within a short period of the accident occurring.

5) Schedule of Losses

The solicitor will next prepare a Schedule of Losses, which lists all the losses you intend to claim for (such as loss of earnings and pain and suffering), and send this to the defendants, asking them to pay compensation.

6) Claim accepted/Claim disputed

If the claim is accepted, that means the defendant has accepted responsibility, and the solicitor will need to negotiate with them for your compensation. If this happens, the claim is now settled and you will be paid compensation, along with the costs for your solicitor. If the claim is disputed and an agreement cannot be reached, it will go to court.

7) Case Lost/Case won

If the case is lost, you will not have to pay any costs, because the solicitor will have taken on the case on a no win, no fee basis. This means that when they took on the case, they accepted that not winning it would mean they would not be paid. If the case is won, you will receive compensation agreed or fixed by the court, along with solicitors’ fees with which to pay your solicitor.

A straightforward process?

On the whole, the claims process should be fairly straightforward, though it can take quite a long time from start to finish, and will probably be more likely to succeed if the claim is made very soon after the accident occurred.

For these reasons, if you think you might want to make a personal injury compensation claim, it is sensible to seek specialist advice straight away, so that the claim will be initiated as soon as possible.