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17 Personal Injury

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1. Introduction

2. What is a personal injury?

3. What action can I take?

4. How do I choose a solicitor?

5. What are claims assessors and claims management companies?

6. What if I was injured in a road accident?

If your injury was at least partly because of another driver’s negligent driving, you can claim compensation. You can still claim compensation even if the other driver was not insured or you think they don’t have enough money to pay you compensation. The Motor Insurers’ Bureau (MIB) may pay you compensation if the other driver:

  • didn’t have insurance; or
  • cannot be found (for example, if you were injured in a hit-and-run accident).

See 'Further Help' for how to contact the MIB.

What if an insurance company contacts me with a compensation offer?
Sometimes the insurance company for the organisation that was responsible your injuries may contact you direct with an offer of compensation. This is most likely to happen in the case of a road accident, but it could be for another situation where you were injured.

If this happens to you, it is important that you seek legal advice from a solicitor, or possibly a claims management company, before accepting any offer – even if the offer seems generous or the insurer says they will make a quick payment.

Remember that the insurance company that has contacted you is working for the company you have a claim against, and it is in their interests to persuade you to accept as little compensation as possible, as quickly as possible.

If you ask a solicitor or claims management company to take your case, they will act in your interests. They will tell you how the compensation you have been offered compares with what they think you should be paid, and may be able to negotiate a larger sum.

7. What if I was injured by a faulty product or service?

8. What if I was injured in an accident abroad?

9. What if I can´t afford a solicitor?

10. What can I claim compensation for?

11. What if I am claiming for someone who has died?

12. What if I am claiming for a child?

13. What if I am one of a group of people injured in the same way?

14. What if I´m a victim of crime?

15. Further Help

16. About this leaflet

This leaflet was written in association with Roger Bolt of Bolt Burdon Kemp

Leaflet version: May 2008

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