Car accidents and injuries can be traumatic for you and your family. Understanding who was at fault, can sometimes be difficult to determine. If it was the third party's fault, then we would look to claim against their insurance company. For uninsured drivers a claim would be made to the Motor Insurers Bureau (MIB). After a car accident, in order to help your claim, you should:
The level of compensation paid is dependent on the severity of the injury
incurred. It has to be sufficient to cover all medical treatments but also
all costs relating to rehabilitation. There are often psychological injuries
suffered that require counselling to return back to physical and mental health.
Claims need to also take into consideration loss of future earnings. Recovery may require a number of weeks or months off work. In the worst cases a return back to work may not be possible. Claims are often made against large multi-million pound Insurance Companies. It is in their interest to settle for as low a figure as they possibly can. It is important that you get the full compensation you deserve.
To make a claim you must be over 18 or nominate a family member or friend to
make it for you. Accidents can occur from the negligent or reckless behaviour of
another driver or can be the result of a fault of the car, such as brake failure.
It may be as a result of the condition of the road itself, such as a large pothole. On this occasion responsibilty for the maintenance of the road will lie with the local council or the Highways Agency to whom a claim will need to be made.
Compensation amounts are set by the Judicial Studies Board (JSB). Levels are determined
by which part of the body has been affected and how serious the injury is. Whiplash
claims are common in car accidents. Compensation can range from a few hundred pounds
to thousands of pounds where serious neck injuries are involved.
Serious head injuries that have resulted in brain damage, may have left the individual paralysed which means that there will be a requirement for full-time nursing care. Compensation awarded for such claims can run into hundreds of thousands of pounds.