In the bustling life of Scotland, commuting is a daily ritual for many of us. Even more so, for those who live rurally. Most of us will commute by car and, while many are familiar with car insurance to allow us to do so, many are not so familiar with "commuting" insurance. In this blog post, we’ll delve into what commuting insurance is, why it is important, and what are the consequences if you don’t have it. What is commuting insurance? Commuting insurance is a type of coverage designed to protect individuals during their daily travel to and from their workplace. This type of insurance coverage is usually combined within an existing car insurance policy rather than a separate policy. Its purpose is to specifically cover the risks associated with your commute, such as accidents or damage to your car. Why it is commuting insurance important? Statistics show that a significant number of accidents occur during peak commuting hours. With more vehicles on the Continue Reading
In Whiplash injury claims how important is speed of collision?
By definition, whiplash injuries are caused by low velocity impacts. The perpetual difficulty we have in describing whiplash injuries stems from the fact that there is, by definition, no structural pathology (i.e. nothing that can be independently verified by x-rays or other scans) They say that whiplash-associated disorders remain 'a diagnosis of exclusion'. In other words, if you seem to be dealing with 'appropriate' symptoms and nothing else would explain them, "whiplash" is your diagnosis because you have excluded all other possibilities. What is the mechanism of a whiplash injury? The mechanism of a whiplash injury involves the initial acceleration of the vehicle occupant due to force being transmitted through the vehicle in which they are seated - typically, a rear-end shunt of their vehicle. This results in the occupant to moving forward. In moving forward, the occupant’s head and upper cervical spine (neck) lags behind very slightly compared to the movement Continue Reading
Rise in fatalities among vulnerable road users in Scotland
Recently-released statistics have shown that as compared with 2022, 2023 saw a reduction in the overall number of deaths on Scotland’s roads. This is good news. However, lurking within these statistics, there was, unfortunately, an increase in deaths within the sub-category for vulnerable road users. Vulnerable road users include motorcyclists, pedal cyclists and pedestrians. The figures for serious injuries within each of these subcategories also showed an increase as between 2022 and 2023. The indications are that, for car users, road safety levels continued to improve. But if you are walking or travelling on two wheels, it is more of a bleak picture. Given that we are all being encouraged to engage in more active forms of travel (e.g. walking and pedal cycling), the signs are that the Government is going to need to do more to reassure the public that proper safety measures are being put in place (e.g. separated-from-carriageway active travel routes such as Continue Reading
What is at stake if you do not make a personal injury compensation claim?
What do you stand to lose if you do not make a claim for personal injury compensation in a situation where that would be a realistic option for you? In this article, we will consider 3 ways you can lose out if you don't make a personal injury claim. The general principles here may be obvious but probably not all of the details will be known to you already. Knowing these things is an important part of your "informed consent" - i.e. having all the relevant points to hand before making your decision: to claim or not to claim. Firstly, we will look at your “loss” due to your failure to give yourself the benefit of monetary compensation. In fact, that loss does not just apply to you; it can apply to others who would have to rely on you making a claim in order for them to be compensated as well. Secondly, we will discuss the fact that you only have the choice to make a personal injury compensation claim for a limited period of time. The right does not last forever. Once the right Continue Reading