It’s always a worry if you have to have hospital treatment. You’ll be concerned about the procedure or operation, any anaesthetic and the recovery period. The practicalities of your stay in hospital will also be on your mind, such as sharing a ward with others and the quality of the food. You’re unlikely to think about the risk of being injured due to medical negligence during your stay because health service staff are dedicated professionals working hard to deliver the best possible care. Their jobs require them to deal with deadlines and to keep within strict budgets. Sometimes, they have to exercise judgement in making decisions, weighing up competing risks. And medical science is not an exact science. Unfortunately. things don't always work out for the best. You need to understand that, if things go wrong and outcome of your treatment is not as you would wish, just because you have experienced poor standards of care, that does not necessarily mean you have Continue Reading
How Insurance Disclosure Reform Can Help Your Claim Succeed (And Save You Money)
Consumer claims on home and other insurance policies should now succeed more easily We’re now just over a year into a new legal framework which could benefit you, as a consumer, if you have to make a claim on insurance and your insurer refuses to honour it. The range of consumer insurance policies affected is very wide indeed. In our experience, most people have a wrangle with an insurance company sooner or later. This change to the law is something worth bearing in mind if you find yourself in dispute with an insurer over a claim you have made on a policy. The fatal mistake – failure to disclose Typically, the scenario is one where your insurer says that, at the time you took out the insurance (or renewed it), you failed to tell them about some important fact which would have influenced the level of premium – or even whether they would have agreed to insure you at all. In those circumstances, the insurer would refuse to pay out on your claim, or could impose Continue Reading
How A Minute Of Tender Can Destroy Your Personal Injury Claim
A Minute of Tender can be an effective weapon in a Scottish personal injury court action A Minute of Tender is a device used in Scottish personal injury court actions which can undermine – and, at worst, destroy - your claim for compensation. For that reason, it is worthwhile understanding how Minutes of Tender work. So, firstly, we need to go back a bit – to before the court action. When will you need a court action? If your personal injury claim cannot be settled by negotiation, you will have to raise a court action. Generally, for that to happen, your solicitor will have to assess that your claim has a better than 50/50 chance of success. In the worst case, the dispute will be about whether you should get any compensation at all. A less serious problem is where it is just the value of the claim which cannot be agreed. In other words, there is agreement that some compensation should be paid but the opposing insurers are not offering a reasonable amount. How Continue Reading
Increased Benefit To Moray From Accredited Personal Injury Claim Specialists in Elgin
Marie Morrison of Grigor & Young / Moray Claims has gained a further Personal Injury Accreditation Editor’s note (November 2025): The information in this post is now out of date. At the time of publication, Marie Morrison was accredited by the Law Society of Scotland as a Specialist in Personal Injury Law. She has since chosen not to renew that accreditation but remains accredited by the Association of Personal Injury Lawyers (APIL) as a Senior Litigator. For up-to-date information about our team’s current accreditations, please visit our About Us page. Do you live in Moray or the surrounding area? If you live in Elgin or Forres (or anywhere else in Moray) and have to make a claim for compensation for personal injuries suffered as the result of an accident – on the roads, at work or elsewhere - you need a specialist, accredited solicitor to handle your case. You need to know that the person you are trusting to get the best outcome possible Continue Reading