1 CLS Direct Information Leaflet 17 Jul 04 Personal Injury Complaining and claiming compensation
2 If you are injured because someone was negligent (they did something they shouldn t, or didn t do something they should), you may be able to get compensation.this leaflet explains your legal rights, and how you should go about getting compensation if you ve been injured in this way. What is a personal injury? 3 What action can I take? 4 What are claims assessors and claims management companies? 6 How do I take legal action? 8 What if I was injured in a road accident? 9 What if I was injured by a faulty product or service? 9 What if I can t afford a solicitor? 10 What can I claim compensation for? 11 What if I am claiming for someone who has died? 12 What if I am claiming for a child? 12 What if I am one of a group of people injured in the same way? 12 What if I am a victim of a crime? 12 The leaflets in this series give you an outline of your legal rights.they are not a complete guide to the law and are not intended to be a guide to how the law will apply to you or to any specific situation.the leaflets are regularly updated but the law may have changed since this was printed, so information in it may be incorrect or out of date. If you have a problem, you will need to get more information or personal advice to work out the best way to solve it.see Further help on page 15 for sources of information and advice.
3 What is a personal injury? Any injury you suffer may seem personal, but in legal terms, a personal injury is where a person, company or some other organisation is to blame (at least partly) for your injuries.they may have been negligent, which means the person or organisation did not take proper care in the way something was: done; made; or repaired. If someone is negligent, they may have to pay you compensation for your injuries. A personal injury can happen, for example: at work; in a traffic accident; because of a faulty product; because of a mistake during medical treatment; because you were a victim of a crime; or because you tripped on a paving stone or slipped on a wet floor in a shop. An injury may be psychological as well as physical, so you might be able to get compensation for distress or upset after an accident as well as for the physical injury. What you should do first If you have been hurt, you will first need to deal with the shock and distress you may be feeling.after that, you may want to get compensation or support to deal with the injury or its after-effects.whatever you do later on, there are two things you should do straight away. You should visit your doctor so they can take a look at your injury, even if it was not serious. This is because, if you later go to court to claim compensation, your doctor s records will be independent evidence of your injury. You should collect evidence about the accident. For example, you could take photos of a damaged paving stone which caused you to trip over. Write down details of the accident as soon as you can, while they are still fresh in your mind. If anyone saw what happened to you, get their name and address. Personal Injury: Complaining and claiming compensation 3
4 If your accident happened at work You should tell your employer about the accident straight away. By law, your employer must keep a record of most types of accident. If you are selfemployed, you must do this yourself. You or your employer should also report the accident to the Incident Contact Centre, which will pass the report on to the Health and Safety Executive or the local authority environmental health department, if this is necessary. See Further help on page 15 for how to contact the Incident Contact Centre. If you do not think that your employer will record the accident properly, write to them, giving brief details of the accident, and keep a copy for yourself. If you want to apply for certain types of benefit after an accident at work (for example, Industrial Injuries Disablement Benefit), you must fill in a special form, which you can get from your local Jobcentre Plus office. If your accident was a road accident If you are hurt in a road accident, you must tell the police and (if your car was involved) your insurance company.the insurance company may refuse to pay out if you don t report the accident. If your accident was during medical treatment If you were injured when being treated, for example, by a doctor or in hospital, the law and what you should do can be different. See the Community Legal Service leaflet Medical accidents for advice and information. What action can I take? There are several courses of action you can take, depending on what you feel you want. You may want someone to explain or apologise and make sure that no one else is hurt in the same way. See If you want to make a complaint, right, for more on this. You may want support or counselling to help you deal with what has happened to you (or to someone close to you). See Further help on page 15 for organisations which can help you or put you in touch with support groups for your particular problem. 4 Personal Injury: Complaining and claiming compensation
5 You may need help with money problems which you have because of the injury (for example, because you haven t been able to work). The Community Legal Service leaflets Dealing with debt and Welfare benefits have more information about this. But see If you want to get compensation on page 6, too. You may want compensation for money you ve had to pay (or money you ve lost) because of your injury, or for psychological injuries (if you suffer from depression, for example). See If you want to get compensation on page 6. If you are claiming compensation and you have a strong case, you may be able to get some money paid to you before your claim has been dealt with fully. If you want to make a complaint If your injury was caused by a business or organisation (for example, a shop), but it was not a serious injury, you may not want to take legal action.you might be happy with: an apology; an explanation of what went wrong (so that it doesn t happen to someone else); and perhaps, a token goodwill payment. Depending on who was responsible for your injuries, you may be able to use an organisation s official complaints procedure. For example, if you were injured because you tripped on an uneven pavement, you could use the complaints procedure of the council which maintains the pavement. If you are not happy with how your complaint was handled, you could still take legal action for compensation in the same way as if your injury was more serious. However, organisations can take a long time to deal with official complaints. So if you think you may want to take legal action, remember that there are time limits for starting it (see How do I take legal action? on page 8). If you were injured because of some medical treatment you were having under the NHS, you can use the NHS Complaints Procedure. See the Community Legal Service leaflet Medical accidents for more on what to do in this situation. If you were injured by a police officer and you want to make a complaint (or take other action), see the Community Legal Service leaflet Dealing with the police. Personal Injury: Complaining and claiming compensation 5
6 If you want to get compensation If you want to get compensation for a personal injury you can ask a solicitor to take legal action for you, or you can use a claims assessor or claims management company to negotiate compensation for you. However, if you were injured because of a crime (for example, you were attacked), there are other options. See What if I am a victim of a crime? on page 12. For a minor personal injury caused by a service provider, you could consider using a conciliation or arbitration scheme run by the trade association which represents them. But if you go to arbitration you may lose your right to take legal action afterwards. Unlike other types of legal action, you can t normally get public funding (which used to be called legal aid) to help pay the legal costs of a personal injury case. What are claims assessors and claims management companies? Since public funding (legal aid) for most personal injury cases was stopped, there are new options for getting help to claim compensation for a personal injury. Claims assessors and claims management companies specialise in negotiating compensation for you from whoever you think caused your injury. There is no legal definition of a claims assessor or a claims management company. Different ones work in different ways. However, most claims management companies use solicitors to help you with your case, while most claims assessors do not. How much do they cost? Claims assessors normally operate on a contingency fee basis.this means that if you win compensation, the company will take a percentage of the amount you win as their fee. If you lose your case, they will get nothing. 6 Personal Injury: Complaining and claiming compensation
7 If you use a claims management company that uses a solicitor to represent you and there is a chance of your case going to court, you may have to take out an insurance policy. This is to make sure that you do not have to pay anything if you lose your case and the judge makes you pay the other side s legal costs.this insurance can be expensive, but the claims management company will set up a loan for you to cover this cost. If you win your case, you may be able to get the cost of this insurance paid for by the other side, on top of the compensation. However, there is no guarantee that you will get back all of the cost of the insurance premium. The judge decides whether it would be reasonable to make the other side pay this. And, whether you win or lose your case, it is likely that you will have to pay the interest charged on the loan out of your own pocket. Why is a claims management company different from a solicitor? The main differences between using a claims management company which uses solicitors and employing a solicitor direct is: the way you may have to pay for your case (see How much do they cost? on page 6); and the role of the claims manager, who will act as a go-between for you and the solicitor. There are bigger differences if you use a claims assessor that doesn t use solicitors to put your case.these are as follows. A claims assessor can only put your case to the organisation you believe is responsible for your injury. They cannot take court action for you or represent you in court. This means that if they cannot get compensation for you but you still feel you should get it, you will then have to use a solicitor to start court action. Claims assessors are not regulated in the same way as solicitors are. All solicitors must follow the Law Society code of practice. And they must have insurance against negligence and have their own complaints system which you can use if you are not happy with how they handled your case. And if you are not happy with how they have handled your complaint, you can complain to the Office of Supervision of Solicitors (OSS). They can make the solicitor pay you compensation if they find that the solicitor has not acted as they should have. Personal Injury: Complaining and claiming compensation 7
8 How do I choose a claims assessor or claims management company? There are no specific rules and regulations covering how claims assessors and claims management companies must work (for example, how they can charge you). So you should ask before agreeing to let one take on your case.you should check: whether your case will be handled by a solicitor or by someone who isn't legally qualified; whether they have any particular experience in your type of claim; what you will have to pay for if you win your case (and when); what you will have to pay for if you lose your case (and when); and what you can do if you are not happy with how your case has been handled. How do I take legal action? If you want to take legal action to get compensation, you should get advice from a solicitor who specialises in personal injury cases.you can find specialist solicitors through: the Community Legal Service; the Association of Personal Injury Lawyers (APIL); the Law Society s Accident Line, which has a personal injury panel of specialist solicitors; the Motor Accident Solicitors Society, which deals with cases involving road accidents; a motoring organisation, such as the AA and RAC, if you were injured in a road accident; or your trade union, if you have one. See Further help on page 15 for how to contact these organisations. If you are thinking about taking legal action, it s important to contact a solicitor as soon as you can.this is because there are time limits for starting a personal injury claim.there are different time limits for different types of claim.these are as follows. If your injury was caused by someone s negligence, you must start legal action within three years of when you were injured, or of when you first knew that you were injured (for example, if you are suffering from a disease caused by exposure to asbestos many years ago). If you were assaulted (attacked), you must start legal action within six years. 8 Personal Injury: Complaining and claiming compensation
9 If you are claiming against an airline or if you were injured during a collision at sea, you must start legal action within two years. If you are thinking about taking legal action, you should get advice before: contacting the person or organisation you think caused the injury (except for telling your employer if you were injured at work); or replying to any letters or offers to settle your claim. If you are not sure about whether you want to take legal action, you could go to a law centre or Citizens Advice Bureau to get more advice about your options.they will also be able to tell you what information to take when you first go to see a solicitor. What if I was injured in a road accident? If your accident was because of another driver s negligent driving, you could claim compensation through the courts. Even if the other driver is not insured, this could be worth doing whether or not you think they have enough money to pay you compensation.the Motor Insurers Bureau may help you with a personal injury claim if the other driver: didn t have insurance; or cannot be found (for example, if you were injured in a hit-and-run accident). See Further help on page 15 for how to contact the Motor Insurers Bureau. What if I was injured by a faulty product or service? If a product (for example, a car or a power tool) was unsafe and injured you, you re protected by the Consumer Protection Act 1987.This law also covers you if you were made ill by contaminated food bought in a shop. You do not have to prove that the company that made the product was negligent. But you have to prove in court that the product was defective (less safe than you are reasonably entitled to expect) and that it caused your injury because of this.you may need an expert witness to help you show to the court that the product was less safe than you could reasonably expect. You could also take action if you are injured by a service provider (for example, a hairdresser). Personal Injury: Complaining and claiming compensation 9
10 For a small injury, you could use the small claims procedure in court.this does not cost very much, and you can present your own case without using a solicitor. But the most you can claim for a personal injury using this procedure is You should also keep any evidence (such as the product you think caused the injury). For more about this, see the Community Legal Service leaflet Problems with goods and services. What happens if I was injured in an accident abroad? If you were injured outside the UK, you would have to make a claim under the law of the country where it happened. The only time this isn t so is if the accident was caused by a person or organisation based in the UK. (For example, if you had an accident while on a package holiday, you might have a claim against the tour operator who sold you the holiday). Claiming under foreign law is difficult and expensive and it may be easier to make a claim under an insurance policy, if you have one. If you don t, you will need to get expert legal advice. What if I can t afford a solicitor? Taking legal action can be expensive. You can no longer get public funding (what used to be called legal aid) for most personal injury cases (except for ones which are to do with medical accidents, deliberate harm, such as child abuse, or an assault by the police). However, if you can t afford to pay legal fees, there are ways you may be able to get help with the costs. Trade union help If you are a member of a trade union or similar type of organisation, it may be able to help you with legal costs. Legal expenses insurance Check your house contents and car insurance policies to see if they include legal expenses cover for the type of personal injury claim you want to bring.these policies can provide cover for legal costs, though there is normally a limit on how much legal costs they will pay for. 10 Personal Injury: Complaining and claiming compensation
11 No-win, no-fee agreements These agreements, officially called conditional-fee agreements, mean that you do not have to pay your solicitor s fees if you lose your case. You will probably need to take out insurance (called after-the-event insurance) to protect you against the possibility of having to pay the other side s costs if you lose.your solicitor should help you with this. For more information, see the Community Legal Service leaflet No-win, no-fee actions. What can I claim compensation for? There are two types of compensation you can claim. General damages General damages are for the pain and suffering you have had to cope with after an injury.the court decides how much this will be. Special damages Special damages are for money you ve had to pay or earnings you have lost because of an accident.they can include loss of future earnings too.and if a member of your family has been killed, you may be able to claim compensation if they supported you. Special damages compensation can also cover: damage to clothing or other belongings; the cost of medical treatment; travel costs to hospital for you and visiting relatives; ongoing care, therapy or counselling to help you recover from or cope with your injury; and the cost of hiring a car or repairing the one damaged in an accident. If you need to spend money for things related to your accident or injury, you should keep receipts if you can.this will make it easier to claim the money back as part of special damages. How does the court decide the compensation? If a court decides you were partly to blame for your injuries, it may reduce the amount of damages you get (for example, if you were not wearing a seat belt when you had a car accident). This is called contributory negligence. You may also get less compensation if the other side can prove you did not mitigate your losses (that is, you did not do what you could to keep them to a minimum). Personal Injury: Complaining and claiming compensation 11
12 If you have been getting some types of benefit payments because of a personal injury, you may have to pay these back out of any compensation you get.the rules are complicated, and you should get expert advice. For more on claiming benefits, see the Community Legal Service leaflet Welfare benefits. What if I am claiming for someone who has died? If the person who has been injured dies within the normal three-year limit for making a claim, you can take action for them.you must take action no more than three years after: the person died; or you knew what caused the injury (if this is later). What if I am claiming for a child? If a child has been injured, the time limit for making a claim normally does not start until their 18th birthday. (However, you don t have to wait until then to start a claim.) Someone under 18 cannot take legal action in their own right, but must have a litigation friend.this could be: a close relative; an adult friend; someone else appointed by the court. What if I am one of a group of people injured in the same way? If other people have been injured in the same way as you (for example, in a plane crash or by taking an unsafe medicine), it may be better for you to join with them in taking legal action. You will need to get expert legal advice about doing this. What if I am a victim of a crime? If you have been injured by a criminal act (for example, you were attacked), you may be able to get compensation: by claiming from the Criminal Injuries Compensation Authority; or if the court orders the person who committed the crime to pay you. You can claim compensation from the Criminal Injuries Compensation Authority if, for example, you were: the victim of an assault; or injured while trying to help the police after a crime was committed. You can also make a claim if you are a close relative of someone who died in either of these ways. a social worker; or 12 Personal Injury: Complaining and claiming compensation
13 You should report the incident to the police as soon as possible.you must normally apply to the Criminal Injuries Compensation Authority within two years of the incident. However, this time limit may be extended in a few cases (for example, if you are making a claim because you were abused when you were a child). To apply, you need to fill in an application form which you can get from the Criminal Injuries Compensation Authority (see Further help on page 15).You should get expert help with filling in the form. A court may also order someone convicted of a crime to pay you compensation for your: injury; loss; or damage. You cannot apply for this compensation yourself.you must give the prosecution as much information as you can about your injuries and losses (for example, lost earnings) so they can put them to the court.the amount of compensation will depend on what the offender can afford to pay. The most you will get is Personal Injury: Complaining and claiming compensation 13
14 14 Personal Injury: Complaining and claiming compensation
15 Further help Community Legal Service Direct A free, easy-to-use service to help you solve your legal problems. Call: to speak to a qualified legal adviser about Welfare Benefits, Debt or Education or find local advice services for other problems. Log on at: to search for a quality local legal adviser or solicitor or find links to other sources of online information and help. Incident Contact Centre phone: The Law Society phone: Association of Personal Injury Lawyers (APIL) phone: Motor Accident Solicitors Society (MASS) phone: Motor Insurers Bureau phone: Criminal Injuries Compensation Authority phone: Disaster Action Gives support to people involved in disasters and their relatives and friends.it can also make referrals to specialists. phone: Personal Injury Compensation Claims Service Can help with your claim by estimating what a personal injury will cost you now and in the future. phone: Victim Support Offers information and support to most victims of crime. phone: The Community Legal Service The Community Legal Service has been set up to help you find the right legal information and advice to solve your problems. You can get help through a national network of organisations including Citizens Advice Bureaux, Law Centres, many independent advice centres and thousands of high street solicitors.all of these services meet quality standards set by the Legal Services Commission.Look for the Community Legal Service logo, shown below. Many of the organisations offer some or all of their services for free.if you cannot afford to pay for advice you may be eligible for financial support through the Community Legal Service Fund (Legal Aid).You can order leaflets about funding from the LSC Leaflet line on You can also use a Legal Aid eligibility calculator on the CLS Direct website at The Legal Services Commission (LSC) The Community Legal Service and the Community Legal Service Fund are managed by the Legal Services Commission.To find out more about us visit our website at or find the details for your local Legal Services Commission office in the phone book.
16 The leaflets are also available online at: Dealing with Debt Employment Divorce and Separation Renting and Letting Buying and Selling Property Losing your Home The Human Rights Act Claiming Asylum Welfare Benefits Wills and Probate Dealing with the Police No-win, No-fee Actions Problems with Goods and Services Medical Accidents Equal Opportunities Racial Discrimination Personal Injury Rights for Disabled People Community Care Education Immigration and Nationality Mental Health Alternatives to Court Family Mediation The leaflets are also available in Welsh, Braille and Audio To order any of these leaflets contact the LSC leaflet line on or or Fax This leaflet is published by the Legal Services Commission (LSC). It was written in association with Dowse and Co. *LSC017E*
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the compensation myth The Compensation Myth It is common to hear stories of the Compensation Culture or claims that Britain is becoming Risk Averse as a result of people claiming compensation. The truth