The difference between calculating the amount of your loss in claims for serious accident damages and claims for injuries
If your car or property is damaged, the amount you have lost in terms of the serious accident damages is easy to quantify. In a road traffic accident, it would be the cost of repairing your car. But it’s less simple to determine the financial amount of your loss when you have an injury. How is the amount worked out for that part of your claim?
The components of a serious accident damages claim
There are a number of components that make up a claim for serious accident damages. These can include the cost of repairing a vehicle and the cost of hiring a replacement vehicle while the damaged vehicle is being repaired.
The components of an injury claim
In the same way that there are a number of components making up a claim for serious accident damages, there are a number of components that make up a claim for an injury. These will include amounts:
- for pain and suffering
- for any wages you lost while you recovered from the injury
- for the permanent loss if applicable – for instance, if you have lost a limb
Are there guidelines for how much compensation each type of injury is worth?
Yes, but they are only guidelines, and each case is different.
With serious accident damages the value of your loss can be easily checked. A dent in the door of a Ford Focus will cost a certain amount to repair, and that amount will not vary. Similarly, if you have an injury claim, it is easy to work out how much wages you lost while you were recovering from the injury.
Where it becomes more difficult is where your claim involves an injury that you will not recover from fully. There are a number of factors that affect the amount of compensation for this element of a claim, but as an example, a professional footballer’s legs will be more valuable than a normal member of the public’s legs.
The amount awarded as compensation for pain and suffering also varies according to a number of factors.
How can I find out how much compensation is due to me?
The only way to get an idea of the level of compensation that a particular claim will attract is to keep track of previous court cases and settlements, which is obviously time consuming. Even that will only give you a guide because each injury is different, and each court is different.
Accident Advice Helpline, the specialist law firm which has consumer champion Esther Rantzen as its patron, has an extensive team of in-house lawyers who keep up to date with the amount of compensation being awarded in the thousands of injury cases that are dealt with by the UK courts each year. By doing this, they can increase your chances of getting the full amount of compensation that you deserve.
Usually, Accident Advice Helpline can process your claim over the telephone, and most claimants do not need to attend court. To discuss your claim with a member of our expert team dial 0800 689 0500 now.
Date Published: 7th March 2013
Author: David Brown