Slide Background

insurance: Accident Claims

Slide Background


Accident Claims

Accidents and personal injuries are an unfortunate part of our lives. Minor injuries can lead to time off from work, emotional stress and long-term financial problems. More severe injuries can result in permanent disability, chronic pain and even the breakup of a family or a relationship.

It is important for the average individual to know the rights he or she has in regards to filing a claim after an accident. Let us take a brief look at some of the basic principles to consider before and during seeking compensation. 

Company Free Phone Number No Win No Fee Upfront fees Can Make a Claim at Weekends
National Accident Helpline Yes Yes No Yes
Accident Compensation Helpline Yes Yes No Yes
First 4 Lawyers Yes Yes No No
Accidents Direct Yes Yes No No


When to File a Claim

It is of the utmost importance to file a claim as soon as possible after the accident. In the United Kingdom, the statute of limitations for litigation is three years from the date of the occurrence. However, do not let such leeway be misguiding. The only reason for such an open-ended window concerns the rare circumstances where an accident may have caused a debilitating injury which did not appear until some time in the future. Even in these circumstances, it is debatable whether or not there is enough evidence available to bring a case to court. Simply stated, seek advice and file a claim as soon as possible.


Promptly Prepare Evidence

This recommendation is as much based off of legal advice as it is based directly on the human memory. With time, events can become muddled. Certain mitigating circumstances may be forgotten and key witnesses may be difficult to contact. Write down a detailed account of how, where, when and why the accident occurred. Take photographs when applicable and acquire witness information so they can be promptly contacted by an attorney should the need arise. As the strength of an accident claim is highly based off of the evidence presented, it is essential to have as much information as possible to provide to the litigator.

The Hallmarks of a Solid Claim

Although an injury may indeed be severe, physical pain does not necessarily equate to a legitimate claim. Simply stated, a good claim requires that it can be proven that someone else was at fault. A few things are key in this determination. It must first be shown that at the time of the accident the victim was at a location or performing a duty that someone else was legally responsible for. Secondly, it must be shown that through negligence, hazardous conditions, improper equipment or other breaches of duty (often times explained by a solicitor) the injury was caused. Thirdly, the injury needs to be shown to have been a reasonable result of those prior conditions.

What Next?

Let us not forget that rarely does an accident case actually make it into the court system. Such processes are expensive, arduous and sometimes extremely time consuming for all parties; particularly the defendant. Especially in cases of mild to moderate injuries, out-of-court settlements are often times agreed upon. This saves all parties undue stress and financial duress while providing agreeable compensation to the claimant.

Nonetheless, in all accident claims it is important to seek the advice of a legal professional. Thankfully, there is no shortage of claims specialists within the United Kingdom. Such companies as Claims Direct and I Can Claim provide initial consultations to determine the extent of an injury as well as the possibility for subsequent legal action.

Unforeseen accidents can be one of the most traumatic events in one's lifetime, but with the aid of a qualified claims representative, pursuing and attaining a suitable settlement is well within reach.

[contact-form-7 id="5643" title="Accident Claims"]