If you have been involved in an accident which is not your fault and are suffering from injuries and psychological disorders, you might be looking for the information if you can file a claim and handle the claims process on yourself.
You can handle and manage the claims by yourself. We need to understand how to make a personal injury claim yourself in the UK and save your time and money, particularly if the accident is not your fault, and you have the supporting evidence against the other driver.
Table of Contents
Personal injury claims Types
- Road Accident Claims
- Work Accident Claims
- Slip and Trip Claims
- Medical Negligence Claims
- Public Transport Accident Claims
Steps Involved to make a claim Yourself
If you are looking to handle your claim then you need to go through the steps to file your own claim, the required documents and how to inform your insurance.
Check your eligibility to claim
Before starting the process to file a claim, we need to make sure you have a valid claim and you had an accident. You need to confirm that you were involved in an accident which is not your fault and have suffered injuries as a result of the accident.
Required Documents
Evidence and the documents are import for a successful claim. We need medical records, evidence of financial losses, and the information gathered from the scene of accident.
Notify the Insurance of the Faulty Party
After checking our eligibility and the evidences, we need to inform the other driver insurance or the organization if he is driving a company vehicle. We have to write a letter to the insurance or the company of the other driver to report them about the accident and tell them that you are looking to make a claim.
Claim Submission
The claim will be submitted to the insurers of the faulty driver. They will handle the claim and will make investigations. Submit all the documents along with the claim letter, including your medical evidence and any financial losses.
Insurer Response
The insurer of the faulty driver will make investigations to check if the accident is valid and who is responsible for the accident. The insurance will respond to you by making the offer for your injuries and damages. The maximum time to investigate is of 90 days after the submission of the claim.
A Required Document for a successful claim will include:
Medical Report
Medical records and report by your medical GP will be important to evidence your injuries and its severity. The more the number of injuries, you will get more compensation. If the accident is severe, then you will get more compensation.
Financial Losses
We need to keep a record of the lost wages and other expenses related to the accident. The evidence can be medical receipts and medical prescriptions, travel costs for medical appointments, physiotherapy and letter from your company to evidence your lost wages.
Witness Statements and Photographs
Speak to the individuals present at the scene of the accident and ask them to sign a witness statement. Photographs of the accident scene, injuries, or any damage. You can use it as supporting evidence to make a winning situation.
Communicate with the insurance Company
The insurers will review the evidence and the accident circumstances. Before making an offer, they will review your medical records and the documents for your lost wages.
We can provide our wage slips before and after the accident as evidence.
Negotiate Offer
When you negotiate the offer made by the insurance company, tell them about your allegations and the evidences.
Inform the insurance to make an offer for the vehicle damages. Negotiate with insurance representative professionally.
Contact a solicitor or accident claims management company to help you if the insurance refuses to make an offer for the injuries and losses.
Common Mistakes while making a claim
When we file a claim for our injuries, we need to avoid the common mistakes such as
If we fail to keep a record
The inconsistent or missing records will not support your claim for compensation. Maintain your records, medical reports, and other documents
Looking for an Early settlement of your claim
If you are looking for an early settlement and accept the offer made, then you will not get the compensation according to your injuries or losses.
Not looking to consult a legal advisor
When you are handling your claim, consult your solicitor or accident management companies quick and legal conversation.
No Win No Fee
If you contact a solicitor or accident management company to guide you and act on your behalf, you do not have to pay anything to them.
There will be an agreement between you and your solicitor to act on your behalf. You will pay your solicitor if he wins and you get your compensation.
Time limit to make a Claim
- Time Limits: We can make a claim within 3 years of the accident in the UK.
- Evidence of the accident: Collect and maintain your medical records, witness statements, and other document to support.
- Compensation: You will get your compensation for your injuries and financial losses.
Risks Involved While making a claim
Risks are always there when we file a claim. If we make a claim by OIC portal, then it is easier for you to get the guideline to make a claim and the injury tariff.
- Personal injury risks can be
- The value of your claim and accuracy
- Presentation of your claim
- The offer made for compensation is not reasonable
