Frequently asked questions

Below are some common questions we are frequently asked. If you can’t find the answer you are looking for, please give us a call on 0800 007 006.

Q: Can I claim?

Yes you can, providing your claim meets the following criteria:

  1. You were not to blame for the incident.
  2. There is an individual or organisation to claim from.
  3. The incident happened less than 3 years ago (if the incident occurred prior to your 18th birthday, then the 3 years commence from your 18th birthday) Your pain and/or suffering lasted longer than 2 months.

Q: How long does it take?

This will depend on the type of incident and the complexity of the claim.

From our recent success stories we can advise of the following:

  • Road Traffic Accident cases – Settled between 4 – 7 months of initial instruction, providing liability is admitted and the claim value is not contested
  • More complex RTA cases – Settlement on average achieved within 1 year of instruction.  Delay usually caused by liability investigations or complex injuries requiring further treatment and advice.
  • Accidents at Work/Slip & Trip cases – Difficult to place a strict timeframe due to time required to establish a case against the employer or council.  Once liability is admitted though, and providing the pain and suffering is straightforward to value,  the settlement time after liability admitted would be approximately 6 months.

Q: How much would I receive?

A straightforward whiplash type injury can be valued between £1000 and £2500.  It is important to note that the period of suffering and other effects on your daily life will be taken into account when valuing your claim for compensation.  Please refer to the ‘Compensation Guide’ for other compensation values.

Q: What documents do I need to sign?

You will need to sign a number of documents in order for us to be formally instructed to deal with your claim:

  • Terms and Conditions – This document clearly explains how the process works and how we fund your case
  • CFA – This document allows you to instruct our firm on a ‘No Win, No Fee’ basis, insuring you against our costs if we are unsuccessful.
  • Claim Form – All information we obtain from you will be included within this form.  We will require you to read and confirm to ensure we have captured all of your information correctly.
  • Legal Expenses Form – We need to establish if you have sufficient legal insurance to cover you in case anything goes wrong.  If you do not have existing legal insurance, we can identify if we need to arrange insurance prior to submitting your claim.  (This cost of any additional insurance product will be recovered direct from the other person’s insurers at the end of the case).

We will usually arrange an appointment to walk you through these documents face-to-face.  This will be at your convenience and either at home or your workplace.

Q: What is the process for claiming?

Road Traffic Accident – Providing the accident occurred after 30th April 2010, the process for claiming is simple and is split into 3 different stages.

Stage 1 – Liability

  • We will need to gather all information regarding the accident to enable us to assess your claim.
  • If we are able to pursue your claim we will send a number of documents for you to check and confirm, to enable us to be formally instructed to proceed with your claim.
  • Once you have confirmed your instructions for us to act for you, we will submit your claim to the other person’s insurance company. 
  • The Insurance company will have 3 weeks to reply confirming if liability is admitted.
  • During the above period we will instruct a medical agency to arrange an appointment for you to visit a medical expert.  Your appointment will usually be arranged approximately 5 weeks from the incident date.
  • Providing the other person’s insurance company admit liability, we will be in a position to start negotiating your claim once we receive the medical report, following your appointment.

Stage 2 – Valuing your claim

  • The medical report will be assessed by your case handler and your claim will be valued.  We will contact you to agree the valuation and to obtain your authority for us to proceed.
  • We will also gather evidence to quantify any financial loss and expense that has arisen due to the accident.
  • We will submit your claim to the other person’s insurance company and make an offer to settle the claim, they will have 3 weeks to reply.  If the insurance company reply with a counter offer, they will then be allowed a further 4 weeks to agree settlement of your claim.
  • Providing we agree the valuation within the 7 week period, they will then have a further 2 weeks to send your compensation cheque.

Stage 3 – Litigation

  • If we cannot agree the value of your claim or if the insurance company do not reply within the 7 weeks, we will have no option but to commence court proceedings against the other party.
  • In the majority of cases you will not be required to attend.
  • The date of settlement will then be subject to the court providing us a hearing date.  This can be anything from 1 month to 4 months.

The majority of straightforward RTA cases are settled at the end of Stage 2.  This means we can be hopeful of settlement between 4 - 6 months, providing liability can be admitted and the value of the claim is not contested.

Road Traffic Accidents – Exceptions

There are slight exceptions to the above process, if the following occurs:

  • The accident occurred prior to the 30th April 2010.
  • Liability is denied by the other person’s insurance company.
  • The Insurance company do not reply within the 3 week time limit.
  • You suffer more serious injury and/or have more complex claims to pursue.

Stage 1 – Liability

  • The other person’s insurance company have 12 weeks to confirm if liability will be contested.
  • If liability is denied the insurance company have to provide evidence to confirm their reasons.
  • If the insurance company do not comply to either the above points, we can proceed through the litigation process once we have valued your claim.

Stage 2 – Valuing your claim

  • We will arrange a medical appointment provided liability looks in your favour.
  • We will assess your medical report and agree a valuation which we will submit to the other person’s insurance company along with evidence in support of your claims for loss and expense.
  • The insurance company are then allowed 21 days to reply either to agree your claim or to counter offer.
  • Negotiations may continue for a further 4 weeks.

Stage 3 – Litigation

  • If we cannot agree on liability or to the claim value we will proceed to litigation.
  • The litigation process can take up to 9 months to reach a final hearing but many cases settle without having to attend court.

Accidents at Work/Slip & Trip cases

Stage 1 – Liability

  • We will need to gather all information regarding the accident to enable us to assess your claim.
  • If we are able to pursue your claim we will send a number of documents to sign, to enable us to be formally instructed to proceed with your claim.
  • Once you have signed our paperwork to formally instruct us, we will contact you and any witnesses to go through the accident circumstances.
  • The Insurance company will have 3 weeks to reply confirming if liability is being investigated.
  • If the claim is being investigated, the third party will have 3 months in which to provide us with a  decision on liability for the accident.
  • Once liability is admitted we will proceed to obtain medical evidence in respect of the injuries you have sustained. If Liability is denied, we will provide you with a detailed advice regarding the merits of the case and the next steps that we need to take in order to bring a successful claim against the insurance company.

Stage 2 – Valuing your claim

  • The medical report and any financial losses that you have will be assessed by your case handler and your claim will be valued.  We will contact you to agree the valuation and to obtain your authority for us to proceed.
  • We will send submit your claim to the other person’s insurance company, where they will have 3 weeks to reply.  If the insurance company reply with a counter offer, they will then be allowed a further 4 weeks to agree settlement of your claim.
  • Providing we agree the valuation within the 7 week period, they will then have a further 2 weeks to send your compensation award via cheque.

Stage 3 – Litigation

  • If we cannot agree on liability then we will need to litigate your claim.
  • In the majority of cases you will not be required to attend.
  • The date of settlement will then be subject to the court providing us a hearing date.  This can be anything from 1 month to 4 months.

Accidents at Work– Exceptions

There are slight exceptions to the above process, if the following occurs;

  • The insurance company do not provide a decision on liability within 3 months, if that is the case we will take action through the court.
  • If there is more than one party involved in the action, it could take longer to obtain a decision on liability.


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