Archives for November 2012

Key considerations when claiming after an accident

Despite the decrease of serious traffic accidents in the UK, there is always a chance you may be involved in an accident. Whether the damage to you and your vehicle is minor or serious, you are always able to seek compensation for an accident that wasn’t your fault. Here are some key considerations for those wanting to make a road traffic accident claim.

Never admit it was your fault

If you’re involved in an accident, admitting the accident was in any way your fault could invalidate your insurance claim. This means you should even avoid apologising, as some cases have been denied after a claimant was heard to have said ‘I’m sorry’. Instead, you should exchange all important details such as name, address and so on. If the other driver refuses to give you their details, note down their licence plate so your insurer can get them for you.

Contact your insurer

Failing to notify your insurer of an accident can immediately invalidate your policy, so make sure that you contact your insurer at the first given opportunity. From there, steps can be made towards getting compensation.

If you sustained serious injury as a result of an accident, be sure to consider the services of a specialist solicitor. For instance, if you’ve stained serious spinal damage, a spinal injury solicitor will be of much more use to you than a general practice solicitor.

Collect evidence

As with all insurance cases, you need to be able to prove that the accident wasn’t your fault. This means you should always try and prepare as much information as possible before going through the legal process. To help your case, you should try and collect any pertinent information from eye witnesses, as well as their names and address. If you managed to take any photographic evidence at the scene of the accident, be sure to have this ready for your solicitor.

If you were involved in an accident with an uninsured driver

If you have an accident with an uninsured driver, you will be unable to make a claim to an insurer. You will however be able to settle your claim through the MIB (Motor Insurers Bureau).

Repairing your vehicle

you should never get your car repaired without your insurers consent in case they want to have somebody inspect the damage. You should always check with your insurer first, as you may be required to use a mechanic who is approved by your insurer.

Liability

It’s important to remember that if an accident was partially your fault, you could be faced with a reduced amount of compensation. If for example you were seen to have been 50% responsible for an incident, you will only recover 50% of your compensation.

When is it right to make a medical negligence claim?

Analysts have claimed that there has been an upsurge in the amount of successful medical claims being made against health services for malpractice and negligence. Indeed, now that solicitors are well versed in how to deal with such cases, more and more patients are stepping up to receive compensation for the damages caused to them.

Medical negligence lawyers can definitely get the job done; but it’s important that you don’t waste your time, as well as the court’s time, by filing a case when there really isn’t one to be made. This article aims to help you decide if your case is actually viable or not.

Early signs that you’ve been made a victim

Usually, when a mistake has been made, most of the time your health care staff will do their utmost best to remedy the situation. You will be informed at the right moment that something has gone wrong, and that everything possible is being done to fix it.

Unfortunately, bad apples do exist. Some healthcare staff will attempt to pretend like there’s nothing wrong, or gradually distance themselves from the mistake.

This in turn will lead to hesitant staff not answering your questions directly in an honest manner.

Trying out the official channels of complaint

There are several complaints commissions that have been set up specifically to deal with complaints of medical nature. The CQC, or the Care Quality Commission, will look into your case to see what can be done.

Of course, should this route of complaint lead you nowhere, adding to your frustration and anger at how you are being treated, it might be an indicator that it’s the right time to change tack.

Being sure that you deserve compensation

Some are understandably apprehensive about demanding compensation. It can take a lot of time; some are afraid that it would damage relations with their carers and thereby complicate future treatment.

Others choose not to pursue compensation because they feel like they just need to get on with their treatment. However, it is highly advisable that you do pursue it, for several different reasons.

The most important reason involves the fact that you could be losing colossal amounts of money that could be invaluable to paying for your further treatment.

It’s the responsible thing to do

Others may stand to gain from your experience; if you take your issue to court, you could inspire others in your position to get compensation for mistakes that they’ve had to suffer from.

This in turn would mean that healthcare services would be more careful in the future when it comes to practicing medicine and rectifying mistakes.

It’s always difficult to make the decision to embark on this journey; however, it’s usually worth it.

Euroferret.com is owned by Mediamash (NI) Limited, who are an Introducer Appointed Representative of Seopa Ltd. The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FCA, number 313860. You can view our registration at www.fsa.gov.uk/register/firmSearchForm.do?sid=127135. We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.