Comparing personal injury claim values can have you going round in circles If you have been injured in an accident and want to get an idea how much your claim might be worth, it’s easy to find sources of information on the internet that seem to be helpful. But it can quickly become difficult to reconcile the awards of damages received by different claimants. Often, you find two people with apparently-similar injuries who received very varying levels of compensation. Why is that? Solatium and “special” damages Personal injury claims are valued under two broad headings: solatium and special damages. In Scotland, your claim for the pain and suffering caused by your injuries is known as solatium (in other jurisdictions, it is often known as “general damages”). Special damages, on the other hand, compensate you for financial losses resulting from the accident – typically, wage loss. So, if we compare two women of the same age who each have a broken wrist of similar nature and Continue Reading
Work Accidents: All Change, But Not For Public Sector Employees
A significant change in the law affecting personal injury claims for accidents at work becomes effective from 01 October 2013. A review of health and safety legislation over the last two years by the Westminster Government culminates in the enactment of section 69 of the Enterprise and Regulatory Reform Act 2013 (“the 2013 Act”), which is in force from 01 October. Background to the Enterprise and Regulatory Reform Act 2013 The Government considered that there was too much red tape for businesses trying to comply with their health and safety obligations and this resulted in unnecessary cost. The Government also took the view that the present law was unfair because employers’ liability insurers sometimes had to pay out on claims even though the employer they insured had done everything they could to safeguard their employees in the circumstances. There was, for example, such “strict liability” if an employee was injured due to a failure of a piece of work equipment even if it could Continue Reading
When your business insurers refuse to indemnify you
Businesses require to have Employers’ Liability insurance by law. This is so if an employee gets injured at work due to the employer’s breach of duty there is a guaranteed fund available to meet any claim. Public liability insurance covers organisations and businesses against negligence and breaches of duty which cause injury and loss to people other than their employees. This type of insurance is not compulsory by law but it is crucial to have in practice because even a single claim can be enough to bankrupt a business. Public liability claim against a small trade business We have come across a recent example of a public liability insurer refusing to cover a business for a claim against the business for fire damage to a house in Moray caused by probable negligence on the part of one of the employees of the business. This scenario gives rise to a valid claim against the business on the basis of vicarious liability. Alleged negligence leads to under-floor fire at domestic Continue Reading
Road Accident Injury Claims: Details To Get From The Other Driver
You have been involved in a road traffic accident with another vehicle, which was not your fault. You have suffered injury as a result. You need to make a claim for your injuries and other losses. Motor insurance is compulsory and so the aim will be to make the claim against the insurers of the third party driver. What are the details you need to get from the other party involved in the accident? Aside from the situation where you are not able to get the information at the scene because you or the other driver is so seriously injured, it can be helpful if you can manage to get: (most important of all) the registration number of the other vehicle the make, model and colour of the other vehicle the name and address of the driver of the other vehicle the name and address of the insurers of the other vehicle the policy number or claims reference number for the other party and their insurers. If the police attend the scene of the Continue Reading
