One of my favourite rock bands is the Canadian trio, Rush. I have seen them live in concert 5 times between 1981 and 2013. They were inducted into the Rock ‘n’ Roll Hall of Fame in 2013, having released their first album as long ago as 1974. By 1976, Rush were about to release their fourth album. Their previous LPs had been relative commercial failures. And so their record label encouraged them to ditch the ‘concept album’ format – with whole sides devoted to a single theme or story – which they had followed for albums 2 and 3. In fact, they stuck to their philosophy. Side 1 has the 7-part suite of the album’s title, set in a musically intolerant world, now less than 100 years in the future. 2112 (“Twenty-one Twelve”) went on to become arguably their most famous record; it was certainly their breakthrough. The final track on Side 2 is called ‘Something for Nothing’ and has the chorus: You don't get something for nothing You don't get freedom for free You won't get Continue Reading
How Much Does A Personal Injury Claim Cost?
Your solicitor’s aim is to maximise the amount of compensation you receive for your injuries and other losses. The “top line” value of your claim needs to be as high as possible, but that’s not all. You also want to try to reduce the amount you will lose in having to pay legal fees from your compensation. For most people who become a personal injury client of Moray Claims / Grigor & Young, you will lose 10 per cent of your compensation in paying what is called a "Success Fee". In a minority of cases, though, no deduction will apply at all. The basic difference is between claims covered by legal aid (no deduction ever) and claims we deal with on a no win-no fee basis (10 per cent deduction in most cases and, rarely, 20 per cent). So , how much does a personal injury claim cost? And how can you minimise what you will have to pay out of your damages? As we will see, it can mean the difference between receiving 100% of your compensation and only 80% - and the Continue Reading
Why you must check if your motor insurance covers commuting
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