“You’re ignorant. But at least you act on it.” So comments an eye-rolling Hobbes to Calvin in response to his friend’s rant about knowledge only leading to paralysis by analysis. That’s an outcome which, as a “man of action”, Calvin simply cannot afford. In other words, it’s a "simple" explanation for why Calvin will be better off not doing his homework. Calvin’s logic may be flawed but, with a personal injury claim, the simplest approach is usually the best. But can we keep things simple? In this article, we’ll consider, firstly, some of the factors that can complicate a personal injury claim. Secondly, we’ll look at complexity from the injured claimant’s perspective. And finally at “control” issues surrounding complexity: in other words, who has the power to make things simple or not? There are lots of ways a personal injury claim can become complicated. Allegations of contributory negligence - that you were partly to blame for your injuries. Where it appears Continue Reading
FAQs
Below are listed all of our articles covering Frequently-Asked Questions (FAQs) in relation to Personal Injury Claims in Scotland.
Help From The Other Driver’s Insurer (How To Avoid Being Misled)
An "innocent third party car claim" is how some motor insurers describe what you have if one of their customers has crashed into your vehicle and it’s not your fault. In other words, the motor insurers in question are the third-party insurers, not your own motor insurers. Their customer was to blame for the accident. The third-party insurers’ offer to you is that you should let them take care of you and your vehicle in sorting things out. This help from the other driver's insurer can include: the repair of your vehicle (or a payment to represent its value if it has been written off), use of a hire vehicle, free of charge, while your own vehicle is being repaired; and help if you have been injured – to include treatment/rehabilitation and compensation. But couldn't you deal through your own insurers? If you have comprehensive motor insurance, one of your options is to deal with a claim for damage to your car through your own motor insurers. This can be an involved process. You may Continue Reading
Getting what you need from the Moray Claims website?
UK Government guidelines advocate that their public-facing written content should meet the minimum reading age of nine years to ensure it is easily understood. Recent changes to the law on whiplash injury compensation in England and Wales (not affecting Scotland) have largely taken lawyers out of the equation for these "minor" injuries. The UK Government has provided a 64-page online guide for the injured people who will in future need to run their claims themselves, without help from a solicitor. These are what the Government has described as "simple" whiplash claims. But academic, Professor Roger Smith, has criticised the guide as "hopelessly complicated". According to what we might call the "9-year-old rule", authors of guidance material should consider, for example, adults with additional learning needs or imagine they are writing for an elderly relative. In Professor Smith's opinion, the whiplash guide “would be impenetrable to someone of that level of Continue Reading
Road Accidents: What To Do If A Court Action Is Raised Against You
We regularly get enquiries from people who have had a court action raised against them following involvement in a road traffic accident. If you are in that situation, what should you do? The typical scenario runs like this … You’ve had an accident with another vehicle when you were driving your car. The accident was your fault. The other vehicle was damaged or written off and the other driver was injured. Hopefully, you had comprehensive insurance and so your own vehicle will have been repaired or replaced by your insurers. They may also have told you they have settled the other party’s claim – by paying for the repair or replacement of their vehicle. Months later, out of the blue, you receive an Initial Writ or Summons (depending on whether the action against you is in the Sheriff Court or the Court of Session). This can be a startling experience, especially if the action is served on you by a Sheriff Officer or Messengers at Arms. The other driver – or maybe a passenger Continue Reading
Can insurers change their mind about settling your claim (if liability is admitted)?
Some say The Blue Nile are the greatest ever Scottish band. Though they only ever released 4 albums - between 1984 and 2004 - they maintained a consistently high standard throughout. Their music has a spare, cinematic quality which blends perfectly with Paul Buchanan’s soulful and world-weary voice. The Blue Nile’s 1989 release, Hats, has topped some polls to find the best Scottish album of all time. I listened to that album a lot when it came out - I was a student then - and I still listen to it often even now. The fact is, they almost never got a recording contract at all and took an unusual route to achieve that end. Around 1983, a top-of-the-range Glasgow-based hi-fi company called Linn Products found that their equipment’s sales prospects were boosted if they used music from the band’s demo tape when demonstrating Linn’s music systems to potential customers. When Linn discovered The Blue Nile were unsigned, they decided they would sort them with a record deal by Continue Reading
Getting the sack for making a personal injury claim (health and safety protections)
The fear of being dismissed. It’s a fear that prevents many people claiming compensation for personal injury sustained at work. We’ve considered this general issue in other articles. In this article, we focus on protections which might apply via employment law, and health and safety law. It’s a discussion of health and safety at work, workplace danger and sections 44 and 100 of the Employment Rights Act 1996. Employers have extensive health and safety duties towards employees. And also to workers, self-employed people and visitors to their workplaces. The principal legislation in relation to health and safety is the Health and Safety at Work Act 1974. This sets out basic health and safety duties. They apply to companies, directors, managers and employees. As the director or owner of a company, you have potential personal liability as well: you can't hide behind your company. The nature and extent of the duties in practice will depend very much on the type of business Continue Reading
Can you make a personal injury claim if you definitely don’t want to go to court?
Tilley hats might be the best in the world. They’ve been called “legendary” and “iconic”. Tilley hats float and, if lost or stolen, can be replaced for half their full purchase price. Should the hat wear out due to normal wear and tear, poor workmanship or faulty material, it will be repaired or replaced free of charge. Tilley hats are guaranteed for life. In 2013, a Guardian reader reported that, when the fabric of their hat split after 17 years, Tilley still honoured the lifetime guarantee and replaced it. They’re expensive hats but the various risk-reversal elements clearly help keep them desirable purchases. A guarantee can make a big difference to how likely we are to choose a product or service. In the context of personal injury compensation claims, not everyone wants to have their day in court. On the other hand, in another article on this website, we’ve considered the pros and cons for those who want a guarantee that their personal injury claim’s outcome will Continue Reading
Why a personal injury claim does not guarantee you your day in court
Can you have your day in court, with a personal claim, if that's what you want? Donald Trump used the Rolling Stones’ recording of their 1969 song “You Can't Always Get What You Want" during his 2016 primary and presidential campaigns. Following the Republican National Convention in July 2016, which was widely televised, the Stones went public with their views on the use of the song composed by Keith Richards and Mick Jagger. They stated that they did not endorse Trump. They also requested that Trump should stop using their songs to support his message. Despite these requests, Trump continued his use of the song at rallies, even beyond the 2016 presidential elections. It seems that, even if you are the Rolling Stones, you can’t always get what you want. It is also the case that, if you are an injured person with a personal injury compensation claim, you can’t always get what you want – and we’re going to look at some aspects of that in this article. Most people ask if they Continue Reading
Where to look if you can’t find answers to your personal injury claim questions
Typos in stock photographs can be good inspiration. How annoying would it be if you could only find “answars” and no answers? And it turns out that, once you start looking for them, spelling mistakes in premium photographs keep turning up. If you don’t manage to “upgrade your life”, take heart from the fact that it might still be possible to “uprgade your life”. The above photo is marketed as “Upgrade your life”. So someone wrote this, someone photographed it and someone uploaded it to a website for sale. None of them noticed the jumbled up letters? Not seeing the wood for the trees is a problem for anyone who puts information on a website in the hope of helping others. Another aspect of this is the “curse of knowledge”, where you assume that your reader’s understanding of your topic is greater than it really is. If you pitch the level too high, your readers will leave before they’re much past the headline. On this website, we try to answer questions at a Continue Reading
5 Important Questions to ask yourself if you have been injured in an accident
In a 1994 episode of The Simpsons, Apu is sacked from his job at the Kwik-E-Mart. This is the result of him selling a customer (Homer) meat which has gone off. Subsequently, Homer feels sorry for Apu, who stays with the Simpson family while he is looking for another job. They devise a plan to visit the President of Kwik-E-Mart in the Indian Himalayas and ask for Apu's job back. The President allows visitors to ask him a maximum of three questions. Of course, Apu only needs a single question – “Can I get my job back, please?” – and, of course, Homer messes it up for him. When they eventually get their audience with the President, high in the mountains, Homer is taken aback by the boss's appearance - a guru with long white hair, sitting cross-legged. Before Apu can get a word in, Homer asks: “Are you really the head of the Kwik-E-Mart?” (Yes). “Really?” (Yes). “You?” (Yes). At that, their questioning rights used up, the President asks them to leave and “come Continue Reading
When does Legal Expenses Insurance cover you for a Personal Injury Claim?
Cammy Keith, the all-time leading goalscorer for Keith football club, went viral on social media following his side's lead to defeat to Rothes on 03 February 2018. Keith (the player) scored both goals for Keith (the team) and so, on results pages, it appeared as though he had almost achieved a near-impossible outcome: a draw where one player was up against a full team of 11 players. A tweet that he had put in the "quite the shift" was retweeted many times. Quite the shift for Keith on his own. pic.twitter.com/nkni1CMcvy — The Harry Wraggs (@THWtwit) February 3, 2018 In that case, the bare statistics gave a misleading impression as to whether it had been a fair match. As an injured person with a possible personal injury claim for compensation, it is never a fair match at the outset. You need to take every possible measure to tip the scales back to your side, even if you don't level them up completely. The scales are weighted in favour of the insurer on the other side Continue Reading
Who are the Best Personal Injury Solicitors in Moray?
At Moray Claims / Grigor & Young, we regularly receive enquiries from people in the Moray area regarding potential personal injury claims. Because – via this website and the Grigor & Young website – we have frequently expressed our thoughts and feelings on all things personal-injury-claim-related, we often get asked who are some of the other Scottish solicitors who provide compensation claims services to injured people in Moray. It’s important that you should be as informed as possible if you are making decisions in relation to a potential personal injury claim. Here is an alphabetical list of some of the solicitors who market their services to people in Moray for personal injury compensation claims. This has been compiled by reference to Google search engine results (“personal injury moray”) and we have tried our best to make the list as comprehensive as possible by researching this over a period of 7 days. 1. Bonnar Accident Law A Scottish-based firm of solicitors Continue Reading