How to Get Ready for Your Initial Disability Insurance Consultation

The first consultation with an attorney specializing in disability insurance claims is a pivotal stage in the claims process. Preparation is the key to making the most of this meeting. To help you make the most of your first consultation with a disability insurance attorney, follow the steps below. Also, ensure to speak to an attorney who can speak to disability insurance companies on your behalf.

  • Get Your Paperwork in Order

Collect your disability insurance policy’s documentation, including denial letters, medical records, and insurance company contact. Prepare for your meeting with the attorney by making copies of the necessary paperwork and placing them in an order that makes sense.

  • Keep a Record of Your Claims

Make a timeline detailing the filing date of your initial claim, the dates of any appeals, and any significant interactions with the insurance provider. Your lawyer can better grasp your case and its development with the aid of this timeline.

  • Please Describe Your Health Condition

You should carefully document your medical history, from the initial diagnosis to the specific therapies you’ve undergone and the doctors treating you, as well as the effects your handicap has on your everyday life and capacity to work. If your attorneys thoroughly understand your medical condition, they will be better equipped to argue in court.

  • Find Issues and Questions

Organize your thoughts about filing a claim for disability insurance by writing down your questions and worries. Questions concerning the law may concern the procedure, possible consequences, expected length of time, and cost. If you come to the meeting prepared, you can get answers to all your questions and address your concerns.

  • Read up on the Attorney.

You should learn as much as possible about the disability insurance attorney you plan to meet with before that encounter. Check their credentials, experience, and history of success with situations like yours. After reading this, you can trust their knowledge and skills and determine if they are a good fit for your needs.

Professional Legal Representation for Disabled Insurance Claims

The attorneys have a history of success in both court and obtaining favorable outcomes for their clients in disability insurance claims and appeals. This law practice was founded for one reason: to assist policyholders in obtaining disability payments from insurers.

That level of concentration allows:

  • familiarity with all significant disability insurers;
  • an established record of success in high-stakes cases involving long-term incapacity;
  • obtained millions of dollars in back pay for disabled clients;

Given the stakes, would you not benefit from having a team of skilled disability attorneys? They can assist you even if they are not based in your state because federal law governs most disability insurance claims. Get in touch with a specialist in disability insurance today.

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What Are the Different Types of Term Insurance Claims?

A term insurance plan is a vital purchase for individuals who are the primary earning member of their families. The financial costs of running a family and taking care of each family member’s needs are very high. In case of an unfortunate event, your family should be able to fulfil their financial obligations and needs even in your absence. A term insurance plan can help immensely with that. The nominee/s or the beneficiary can receive the benefit amount only after making a claim. There are various term insurance claim types and it is important to know what distinguishes one from the other. Let’s take a look at them below.

What is term insurance? 

First, let’s get a clear understanding of what term insurance means. Term insurance is one of the most popular life insurance plans. As the name suggests, a term plan is only valid for a particular number of years or a term period. This contrasts with whole life insurance, where the policy is valid as long as the insured is alive. The duration of a term insurance plan can be anywhere from 5 years to 40 years. Usually, most individuals opt for a term insurance plan that is valid until their retirement age. It is bought primarily to safeguard funds for major life events, such as children’s higher education, their marriage, and to financially protect against life’s uncertainties.

Now that you have got the question ‘What is term insurance?’ answered, let’s move on to the claims category.

What are the types of term insurance claims, and what are their features? 

There are mainly three types of term insurance claims:

  1. Death benefit claim 

The nominees are eligible to make this type of term insurance claim once the life assured has passed away. Though there are multiple conditions that decide whether the claim will be rejected or approved, the two major ones are:

– The policy should be active when the unfortunate event happens.

– The life assured should have passed away under the conditions prescribed in the policy.

For instance, the claim may be rejected if the policyholder passes away due to an accident caused as a result of alcohol abuse on their part. The amount that the nominees receive on approval of the claim is referred to as the sum assured. This amount may be provided to the nominees in the form of a lump sum payment at once, or it may be granted to them in smaller amounts over a period.

  1. Maturity benefit claim 

While the previous type of term insurance claim was to be made by the nominees, the maturity benefit claim has to be made by the policyholder themselves. The maturity benefit claim essentially refers to the amount that the policyholder is eligible to receive if they have survived the completion of their policy term.

The maturity benefit claim feature is only applicable for those policyholders who have opted for the ‘return of premium’ type of plan.

So, let’s assume that Mr. Ramesh has bought an online term insurance plan with a duration of 35 years when he was 30 years old. Now, Mr. Ramesh is 65 years old and quite healthy. Since he has diligently paid premiums towards his term plan for the last 30 years, he will now make a maturity benefit claim as his plan has matured by now. Thus, he will now receive the premiums returned to him after the subtraction of the due charges.

  1. Rider benefit claim 

Riders are additional coverage options that one can choose from at an extra cost to the premium to obtain maximum financial protection from the uncertainties of life. Riders are available with online term insurance plans as well as offline ones. Popular riders include accidental death benefit rider, critical illness benefit rider, accidental permanent total/partial disability rider, and so on.

One can make a claim on a rider only if a particular situation has arisen. If the policyholder has been diagnosed with a critical illness covered under the policy, they or their loved ones can raise a term insurance claim and receive the due compensation. If an accident has led to the permanent partial disablement of the policyholder, the claim under the same rider can be made to obtain financial compensation. One cannot make a claim for an accidental death under an accidental disability rider.

Thus, one should purchase riders depending on the risks they are under. If you feel that you have a genetic risk of a critical illness such as cancer, then you should opt for a critical illness benefit rider.

Now that you are aware of the different term insurance claim types, we hope you are more empowered to buy the right term insurance plan for yourself.

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Everything You Should Know About No Claim Bonus in Car Insurance

You might notice that car insurance premiums increase with each passing year. This is due to the increase in third-party premiums for each passing year by the Insurance Regulatory and Development Authority of India (IRDAI). IRDAI essentially reviews the third-party claims made at the end of each period and the premiums are revised accordingly.

Although these third-party premiums keep on increasing, your effective premium can be kept in check, and in fact be reduced. Thanks to the No-Claim Bonus (NCB) facility. No-claim bonus is the facility where insurance companies offer a benefit for not making claims during a policy tenure. This benefit is passed on the policyholder, i.e. you by way of concession in car insurance renewal. The no-claim benefits range between 20% to 50% and are go on increasing with each consecutive claim-free policy years. Here are some handy tips about NCB that you should know. Let’s have a look –

NCB benefits belong to the policyholder and not the vehicle

NCB benefits are associated to the policyholder and not the vehicle. With this feature, it allows you to carry forward the NCB benefits irrespective to the car you use. Say, for instance, you buy a car insurance cover and do not make any claims for five consecutive years. At the fifth policy renewal you replace this car of yours with a new car. These NCB benefits can be transferred to your new car with 50% concession in own damage premium. However, the only limitation for transfer of NCB is among different policyholders except in the case of legal heirs where the original policyholder dies.

NCB benefits are limited to own-damage plans only

You must make a note that the no-claim benefits are applicable only to own-damage premiums i.e. no third-party plans can take advantage of NCB benefits. So, in order to have NCB concessions, you must have a comprehensive plan or an own-damage cover alongside third-party policy. So anytime you compute your no-claim benefits using a car insurance calculator, keep in mind that the percentage of no-claim bonus is based on the own-damage premium.

Raising claims for smaller amounts will in-turn lead to bigger losses

Making a claim is tempting even when your car suffers minor damages. But in fact, small claims need to be even more carefully analysed. At every claim, you need to mandatorily pay for the compulsory deductible in your policy. Over and above that, any voluntary deductible that you might have opted also forms part of out-of-pocket expenses. Other than that, you also will be required to pay a higher premium in the future in case you raise a claim. So, considering these factors, make a cost-benefit analysis before you make a claim.

Transfer of NCB

Transferring your NCB benefits is a fairly simple process. It required you to submit Form 29 and 30 along with the sale agreement to the current insurance company. On submission of these documents, the insurer issues a NCB certificate wherein the accumulated NCB benefits are mentioned. With this certificate, the same benefits shall become applicable with the new insurance company. For online process, you generally do not require this certificate, and is based on the declaration at the time of purchase.

These are some lesser-known things about NCB that make you a smart buyer. With these tips available to you, make the right choice of skipping a claim for minor expenses as well as take the most advantage when transferring your policy too. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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Make the Most of These Advantages Offered by Extended Warranty Insurance

Any product bought in today’s day and age is backed with a warranty, especially when consumer durable products. Say, your new air conditions or refrigerator, or even mobile for that matter, all have manufacturer’s warranty. It can range between three months to five years based on the product and the manufacturer. But what about the expenses once this period ends? Any repair costs after this period of warranty needs to be borne by you.

Wouldn’t it be handy if coverage for these additional expenses was available? Extended warranty insurance is the product you need!

Using extended warranty insurance, any costs of repairs required after the initial purchase are covered by the insurance company. At times, replacement required due to manufacturing defects is also included in its coverage. Below mentioned are some of the advantages of extended warranty insurance –

Affordable premiums: Repairs to your home appliances are not simple. They require trained professional and specialised tools for its repairs. These costs of repairs can at times burn a hole in your pocket. With an extended warranty general insurance cover, you no longer need to worry about these expensive repair costs. Moreover, genuine spares are used in its repair at authorised service centres only.

All-round coverage: Extended warranty benefits include all-round coverage for your devices and appliances. Any costs required in the replacement or repairs including labour charges are covered by this insurance cover.

Coverage amounts up to invoice value: With extended warranty cover, the coverage is offered right up to the invoice value of the product. With such enhanced coverage, it ensures you get the most benefits of your home appliances simplifying your life. The only caveat for this insurance coverage is the appliances need to be used as per the its intended use as specified in the usage manual.

Flexible tenure: Based on the usability of the products and terms of insurance contract, you can opt for varying tenures for such insurance coverage. Based on your intended use, you can accordingly purchase an extended warranty insurance for it.

Repairs for any number of times: There are cases where one issue is resolved, a new one crops in. With an extended warranty cover, you need not worry about these repeated repair costs. Generally, this policy covers the cost of repairs for any number of occurrences within the policy tenure. No longer you need to worry about repeated breakdowns causing financial inconvenience.

Nationwide network and doorstep service: Leading insurance companies that offer extended warranty insurance have a nationwide network along with doorstep service. Even if you relocate cities, you need not worry about the coverage no longer being valid. All you need to do is inform your insurer and update your communication details. Also, for large home appliances like refrigerators and air conditioners, it isn’t possible to carry it over to the service centres. The doorstep repair facility comes handy at such times.

So, the next time you purchase a home appliance, make sure to buy an extended warranty insurance plan for it. Not only it makes repairs a breeze, but also relives you of other financial stress when it comes to expensive repair costs.  Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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Questions To Ask Before Buying A Child Insurance Plan

There is nothing more rewarding than seeing your child succeed in their career. What is even more rewarding is to feel good about the fact that you could contribute financially in their journey to achieve success. More and more parents are becoming aware of the importance of investing in a child insurance plan. A child plan is an investment as well as insurance that secures your child’s future. These plans provide you the flexibility to invest in your child’s future based on your financial status. However, given the plethora of options to choose from, it is not unusual to get overwhelmed. Here are a few questions to ask before buying a child plan.

  • What are you saving for?

This is a good question to ask yourself before you start saving. Are you planning on saving for your child’s bachelor’s degree or master’s as well? Would you want your child to study overseas? All these questions are important while investing in a child insurance plan since it may give you multiple policy options to choose from.

  • When to start planning?

The sooner you start investing in a child plan the better. Start right after your child is born. It will give you more time to save enough money.

  • What should the tenure of the plan be?

The minimum maturity period for a child insurance plan should be at least 10 years. There is no shortage of short-term plans, but you may be faced with a cash crunch. The bottom line is that the tenure of your plan should depend on the age of your child when you begin saving.

  • Will you be allowed partial withdrawals?

You never know when you may need the funds. The ability for partial withdrawals can come in handy for unconventional educational expenses.

  • Does your policy include a premium waiver?

In case of the policy holder’s demise, the outstanding premiums are waived the nominee gets a lump sum amount after the maturity period. These benefits come in handy in case of unfortunate emergencies.

  • Will it help you save taxes?

The premiums you pay for a child insurance plan are eligible for tax exemptions under Section 10D of the Income Tax Act, 1961.

A child insurance plan is a great financial asset for your child and your family. Ask these questions before buying a policy and you will be just fine.

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How Can Modification Affect Your Car Insurance Policy in India?

At some point, every car owner wishes to modify his/her car. Having paid full price for one, it is only natural to want to experiment with its looks and make to enhance its aesthetics and performance levels. However, any type of car modification, minor or major can affect your car insurance policy. Car insurance prices depend on a range of factors. Car Modification is one of them. Insurance companies use car modifications to calculate car insurance. Thus, knowing the types of car-modifications that affect your car insurance is crucial. 

What is a car modification?

Before getting into the modifications that affect car insurance prices, it is essential to know what qualifies as a car modification. A car modification is any modification to the interior or exterior of the car that alters its originally manufactured make. Since cars are manufactured after careful planning, designing and testing, car insurance companies factor in the original make of the car when you buy an insurance policy for the car. By modifying the car, you change its internal or external features, which in turn increase its chances of being stolen or decrease its capacity to protect you from accidents. This change increases the liability of the insurance company in the event of a claim, and that is what affects car insurance prices. 

Which modifications affect car insurance prices?

The types of modifications that change the quote for car insurance policies and their premium are:

1. Engine Modification

The original factory-made engine of your car is used to calculate car insurance. Modifying your engine puts a significant increase in car insurance prices. Generally, engines are modified to enhance a car’s performance levels. By replacing or modifying the original engine, you risk increasing its power. Increase in power increases its speed which in turn, can increase the risk of road accidents and mishaps. As a consequence, the liability of the insurance company as they take the probability of accidents and car damage into account. This change leads them to charge a higher premium.

2. Wheel Modification

Wheel modification also leads to a hike in car insurance prices. Car owners might change the wheels of their car to enhance its visual appeal or performance levels. However, going overboard with wheel modifications is illegal. According to section 52 of the Motor Vehicles Act, 1988, any alteration which deviates from the original design of the manufacturer is not legal. For example, the installation of bigger alloy wheels or wider wheels can tweak performance levels. And in turn, risk road safety and increase the risk of accident and theft. This change increases the premium of insurance policy for the car.

3. Interior System Modification

Any change to the interiors of a car changes the original internal system of the car. Such changes can range from changing the seats and suspension/ brake system of your car to installing new pedals or a sound system. Changes to the car’s interior alter the quality, safety quotient and intended performance of its original features. It also increases the cost of managing their subsequent wear and tear. It is wise to carry out interior changes to your car through a skilled mechanic and after intimating your insurance company. Such changes will alter the car insurance premium and as a result, will affect quote for car insurance. A simple installation of an air conditioning system, or replacement of seats, and any other minor modification that does not affect its safety will not affect car insurance prices. This also depends on the car insurance company.

4. Paint Modification

A simple paint job or retouch will not affect when you buy an insurance policy for the car. But the addition of eye-catching race designs, decorative flashy patterns, dazzling emblems, or stripes and decals – basically any paintwork that puts your car into the spotlight can affect the quote for car insurance. This is because a change in the external appearance of your car can increase its risk of being stolen or getting damaged. This increases the liability of the insurance company and in turn, affects car insurance prices.

Which modifications do not affect car insurance prices?

Modifications that don’t extensively alter the appearance and performance of your car are not used to calculate car insurance. For instance, adding personal items like cushions, car-hangings, or idols will not increase the premium. Applying stickers to your car also does not affect car insurance. Installation of non-risky items like air conditioners, parking sensors, seat covers, etc. do not add to car insurance prices.


Making any modification to your car will most likely affect the quote for car insurance. Thus, it is not only advisable but also mandatory to inform the insurance company if you are planning to make any modifications. Accordingly, the insurance company will assess the risk or impact of such modification and reassess the amount of premium payable. Do not make the modifications and then inform the insurance company as this can count as insurance fraud, make your claim void and invalidate your car insurance policy.

The coverages you need depend on the type of vehicle and the value of your vehicle. Compare rates and get quotes from different companies at to find the best deal for you. So come on in, get your tips on car insurance now! And if that doesn’t solve your problem, we can help you find the best deal on car insurance.

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Costs of Health Insurance During COVID-19 Pandemic

Insurance penetration in India is amongst the lowest across the globe. However, in the wake of the coronavirus (COVID-19) pandemic, an increasing number of people are looking for coverage. As the number of positive cases continues to rise, the Insurance Development and Regulatory Authority of India (IRDAI) is asking health insurers to offer short-term COVID-19 plans.

With inflation affecting the healthcare costs and the uncertainty created by the pandemic, consumer sentiments have seen significant changes. People have started looking for health and overall insurance coverage to safeguard their financial stability.

Based on a study, the following research has come to light:

  • Life and health insuranceplans have gained prominence in the country
  • One out of three people has searched for new plans
  • One in four people has bought a new policy
  • Retail health insurance segment showed a 25% year-on-year (YoY) growth

As the coronavirus pandemic continues to spread, the future of medical insurance is seeing major developments.

Here are a few of these:

  • Millennialsare understanding the importance of getting comprehensive health coverage against new diseases
  • Women are more eager to avail of insurance coverage as compared to men
  • Individuals will opt forhealth insurance plans that reward them for staying fit and active
  • People have become more concerned about rising healthcare costs

As theIRDAI urges insurers to offer health insurance for coronavirus, the pandemic has been an eye-opener for several people. Health coverage is no longer considered as a ‘good to have’ option; today, it is perceived as a ‘must-have’ insurance policy. For individuals who currently do not have coverage, the Corona Rakshak Policy is an ideal alternative to purchaseCOVID-19 health insurance.

The plan offers coverage between INR 50,000 to INR 2.5 lakh. It is a short-term policy available for 105, 195, and 285 days. The premium on this plan is affordable, ensuring financial stability in case of a positive diagnosis. This coronavirus health insurance policy covers hospitalization and quarantine expenses at an authorized facility.

For people who still do not have health coverage, they must buy this insurance plan without further delay.

Here are three reasons why one must buy cashless health insurance:

  • Healthcare costs are increasing due to medical inflation, which is approximately twice the rate of regular inflation
  • Premium on health plans may rise by 5% to 25% later in 2020
  • Government healthcare infrastructure is poor, and without mediclaim policies, it may be impossible to seek top-quality treatment in a private facility

As per expectations,

more people may buy health coverage during this pandemic, ensuring treatment and hospitalization costs become affordable.

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Things to Know About Travel Insurance for Over 80 Years Old 

The most ideal approach to guarantee that explorers over 80 years old remain safe during their outing is to get a complete protection strategy that gives the significant inclusion required at this age.

There is very less number of inclusion plans accessible for those over 80 years old and over, due to the fact that age is one of the essential components insurance agencies consider as a hazard. Along these lines, most policy designs for voyagers over 80 years old have confined arrangement of greatest choices, diminished advantages, and a higher premium.

In any case, in light of the fact that numerous seniors over 80 years old of age are at a higher danger of sickness and injury, it’s critical for them to have travel clinical protection. Without protection, a specialist visit could cost a lot.

Numerous seniors of this age are hesitant or dreadful to travel due to the related dangers; however, there are a few arrangements choices that offer significant protection for older people, for example, 100% inclusion for crisis clinical consideration. With such protection, seniors can go with genuine feelings of serenity realizing they are secured for the unforeseen.

While thinking about a strategy for senior explorers over 80 years old, it is important to observe the following.

Their Overall Wellbeing Condition 

While purchasing medical coverage, it is essential to think about the voyager’s overall wellbeing. On the off chance that they are more defenceless to affliction or injury, it is important to buy a higher arrangement plan, which may be more costly. In the event that the voyager, who is over 80 years old overall wellbeing is steady and they don’t become ill frequently, they might need to pick a lower inclusion plan fundamentally to cover likely mishaps or wounds.

Exercises They May Take an interest in During Movement 

Before buying the correct medical coverage for those over 80 years old, it is critical to consider what they intend to do during their voyage. On the off chance that the voyager is bound to remain inside without voyaging a lot or taking an interest in bold exercises, they may pick a constrained inclusion plan. For older individuals, even a short vehicle drive starting with one spot then onto the next can be difficult and lead to disorder or injury. On the off chance that the person wishes to take an interest in various exercises during their stay, they should consider an exhaustive inclusion strategy.

Length of Their stay 

The longer the individual stays in the place the higher the odds of having a physical issue. In this way, if the guest is remaining at the destination for quite a while, a higher strategy greatest ought to be picked.

Suggested Plans 

For individuals who are over 80 years old, extensive travel clinical protection plans are suggested, in spite of the fact that they are more costly than other inclusion plans. Be that as it may, plans are likewise available for the majority of the unforeseen occasions.

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Contractors’ equipment insurance is an insurance technique that covers express equipment and gadgets guaranteed or having an authoritative specialist. It offers security to mechanical assemblies and equipment against dangers like fire, burglary, vandalism, and flood, among others.

Among the equipment secured is versatile equipment or those that a temporary worker conveys starting with one area then onto the next. Other secured equipment incorporate yet are not restricted to the accompanying: earthmovers, cranes, pieces of machinery, forklifts, power scoops, hand devices, draglines, generators, blowers, and solid blenders. A contractual worker may likewise safeguard equipment in their control, ownership and care, regardless of whether another temporary worker possesses it.

Following are the highlights of the coverage

Substitution cost coverage:

Some insurance approaches incorporate valuation strategies that may not give adequate assets to you to supplant instruments and equipment. With This type of plumbers insurance, planned equipment that is under five years of age at the hour of misfortune is secured on a substitution cost premise.

Equipment rented or leased to other people

As opposed to permit expensive equipment to sit inactive, development organizations now and again rent or lease possessed equipment to different contractors. At the point when a secured purpose of misfortune brings about harm to booked property rented or leased to others under a composed understanding, the approach may give up to $50,000 coverage in any one event.

Equipment rented, leased or obtained from others

Buying equipment isn’t generally the best choice. When renting, leasing or getting equipment is the better budgetary decision, you’ll need coverage for harm to equipment claimed by others while it’s inside your control. A few organizations prohibit coverage for rented, leased or acquired equipment.

Contractual worker’s rental cost

Under a renting or tenant contract, you might be committed to keep paying expenses despite the fact that the equipment you rented or leased is not, at this point accessible for use.

Contamination tidy up and evacuation

At the point when an over the street mishap happens to equipment in travel, contaminations might be discharged. Under numerous arrangements, contamination cleanup and evacuation costs aren’t secured. This type of plumbers insurance’s approach may settle up to $25,000 per strategy period to cover legitimately forced cost you bring about to expel or extricate poisons from land or water when discharged because of a secured aim of misfortune.

Rigger’s risk

You might be held at risk for harm to or loss of property of others in your consideration, guardianship and control while such property is being utilized during gear tasks. This type of plumbers insurance’s approach can incorporate up to $100,000 coverage for your risk for physical misfortune or harm to the property of others in your consideration, care and control and utilized with the end goal of your apparatus tasks. More insurance with discretionary coverage augmentations. With This type of plumbers insurance’s discretionary supports, you can get higher cutoff points on numerous basic coverage’s:

  • Equipment rented, leased or obtained from others: $200,000
  • Equipment rented or leased to other people: $75,000
  • Contractor’s rental cost: $50,000
  • Hauling property of others: $100,000
  • Expediting cost: $50,000
  • Employee apparatuses and dress: up to $5,000 in any one event
  • Miscellaneous unscheduled apparatuses and equipment: $10,000

Flood and seismic tremor coverage:

Coverage from This type of plumbers insurance incorporates coverage for misfortune or harm coming about because of flood and quake.

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Road traffic accident claims explained

Road traffic accidents are very common across the UK, and can range from minor scrapes to serious, life-changing crashes. Not only can they damage vehicles, but they can also often cause injuries. Fortunately, it is possible for people who have been involved in vehicle crashes to pursue road traffic accident claims and get compensated for their injuries.

Types of road traffic accidents

There are many different types of road traffic accidents, including:

  • Motorcycle accidents
  • Bicycle accidents
  • Pedestrian accidents
  • Bus accidents

Of course, the injuries and damage caused differs depending on the type of accident. For example, a pedestrian accident might result in much more severe injuries than a bus accident simply due to the mode of transport. However, the severity of vehicle damage and the injuries suffered will always depend on the events of the accident itself.

Types of injuries

Again, the types of injuries that can be suffered as a result of road traffic accidents depend on the accident itself. However, there are several injuries which are the most common, and these include:

  • Fractures
  • Broken bones
  • Soft tissue injuries like sprains and strains
  • Whiplash

Whiplash claims are very common in the UK, but it is actually a more serious injury than people tend to think. Whiplash can cause temporary pain, but it can also become a long-lasting condition that can be very painful and debilitating.

Unfortunately, in more serious accident’s injuries tend to be more severe. For example, people can suffer from sensory loss, organ damage, and brain, head or spinal injuries. In very serious cases these injuries may lead to the sufferer passing away.

In most situations, after suffering an injury because of a road traffic accident, you can make a personal injury claim. Although making a claim may seem futile because the damage is already done, compensation can help you through recovery without having to worry about your finances, if you have to take time off work, for example.

The process of a claim

Road traffic accident claims usually have a specific pattern that they follow. Firstly, you will have to contact a solicitor who specialises road traffic accident claims. They will give you a consultation to start off with, to find out as much as possible about the incident and determine whether they can take your case on. Usually this consultation is free.

Next, your solicitor will have to gather information and evidence, including photos of vehicles, medical reports and witness statements. Whilst this part of your case is being formed, an idea of your compensation amount with start to be calculated. Depending on the way your case develops and whether the person you are making the claim against accepts liability, you will either settle out or in court. Settling out of court is the much more favourable option because it means your claims process is shorter and less stressful, but in some cases the only choice is to go to court.

How compensation is calculated

Compensation is calculated carefully and according to rules set by the court. The following factors will be taken into consideration when calculating the amount, you should receive:

  • How much physical pain you are in, and how much psychological upset you have suffered in addition to physical injury
  • Whether your injuries prevent you from working, and if you have or will lose out on wages because of this
  • Any medical and travel costs you have had to pay as a result of the accident, which you wouldn’t have otherwise
  • Whether you need access equipment or home modifications fitted, such as a stairlift

As you can tell, compensation is not awarded haphazardly, but rather is carefully calculated to cover and recover costs you have been forced to pay out as a result of the accident.

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