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Accident Compensation Claims By: Rakesh Gaikwad
Even if we don�t want to believe it, accidents, major or minor, can and do happen to us. And from there starts the legal wrangling and confusion. Where to go? Whom to approach? How to get compensation? These are some questions, which pop up immediately. If approached through proper channels, though, Accident Compensation Claims can be a smooth affair. The first knee jerk reaction, if you can call it so, is to take out a loan. The assumption is to use the loan to meet the legal expenses. Improbable as it may sound, many people do resort to loans even before consulting a lawyer. This is because many people are more familiar with the process of loans than they are about legal matters. In a way that�s understandable, as it�s not often that you meet up with accidents (but we�re all familiar with banks). Accident compensation claims can be made for accidents on the road, at work, accidents (slips, falls, fractures) due to defective products in the vehicle and even medical negligence - in fact, any accident where there is a victim. At times, you may not be sure whose fault it was. Then it�s better to consult the lawyer before opting to pay the compensation. Many firms provide free advice even when you are at fault. There are firms which operate on �no win no fee� scheme. Here, the solicitors would finance all the legal expenses till your case is over. They would provide you with the best alternatives available and the amount of compensation to be sought. How does it work for the solicitors? The expenses incurred are taken from the insurance of the other party. In the UK, the claim is made to the Motor Insurance Bureau (MIB), which is a specialised fund to help victims when the other party is not insured or is untraceable. Thus even if you were to lose the case, you wouldn�t have to pay a penny. There are solicitors who have expertise in particular types of injuries, like head injuries and fractures. Thus you would be able to get specialised assessments and treatment before the case starts. To get a favourable ruling, you�ll have to prove that the accident was due to the carelessness of the other person. In case you and the opposing person share the blame, then you can go for �contributory negligence� where there would be a deduction in the compensation. For example, if the percentage of your fault were forty-five, then your compensatory amount would be reduced by forty-five percent. So the first thing to do after an accident is to consult a specialist lawyer. The lawyer would refer you to a doctor to get evidence for the injury. As accident compensation is issued only when there is serious injury or financial loss, it is better to take stock of the injury before opting for it. Avoid claims when the injuries are minor, like small cuts and bruises. Also look out for the best lawyer or legal firm to get compensation in full.

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