How You Can Get Compensation Even For The Smallest Injury

How You Can Get Compensation Even For The Smallest Injury
How To Claim Minor Injury Compensation

We will tell you how to get compensation. Even with just a stiff neck for a couple of days can get you as much as £500. Read on to see how you can make a successful claim even with a minor injury.

Introduction

Everyone thinks that if they have a minor injury then they cannot make a claim for compensation. In fact, even a stiff neck for just a couple of days can get you £500. Most car accidents are minor and most people have a stiff neck for a couple of days to a few weeks. This is why most people don’t make a claim after an accident – because they don’t think that they can make a claim unless they’ve broken bones or had to go to hospital.

How much money you can get for this varies but even whiplash injuries can get compensation of up to a few thousand pounds. If you have had an accident, even if it was a minor one that was just a stiff neck for a couple of days you should consider making a claim and contact Rapid Claim for free advice.

What is a Minor Injury?

“A Minor Injury” is something that everyone has their own definition of. For some it is a small cut that doesn’t need a plaster or that only leaves a small bruise, for others, it is any injury that did not break a bone. Whatever you think a minor injury is, that is what it is to you. Legally, there is a definition of a minor injury and that is any injury which fully heals or recovers within 3 months.

The legal definition aside, as a general rule of thumb you should think of a minor injury as any injury that you would treat yourself or only visit the minor injuries unit or your GP. The use of the term “minor” does confuse some people. It literally means small but also insignificant and people often think that because society thinks the injury is so small that you should just ‘suck it up and get on with it’. The truth of the matter is, even a minor injury can lead to significant hassle and stress in your life.

Minor injuries from car accidents or accidents on the road tend to take the form of whiplash or a whiplash associated disorder (to use the medical term). Whiplash injuries are usually intermittent and at their worse in the mornings and late afternoon into the evening. They leave you feeling tired and achy and although the pain is minor enough to deal with, it is also significant enough to stop you from doing your daily routine.

What is Whiplash?

So, what is whiplash? Whiplash, or a whiplash associated disorder, is the term used for any soft tissue injury that happened after a sudden movement of the head. The pain can last from a few hours to several months but often gets better within 3 months. The recovery process can be quickened by using exercise and treatment such as physiotherapy, but manual labour or day to day heavy lifting can prolong the recovery.

Whiplash is caused by the sudden movement of the head. The most common cause is in a car accident where the collision causes your head to be thrown backwards and then forwards in a sharp motion (the movement can also be from side to side). This sudden movement places the muscles in your neck and spine to be strained and the recovery from this is whiplash. The pain is rarely felt at the time and does not usually become apparent until the next morning.

The pain from whiplash is most often at its worst in the morning and later in the day. This is due to the tightness in your muscles. As you sleep you do not move your spine a great deal. This allows your muscles to tighten through the night and is why you will wake feeling worse than the day before. The pain does ease throughout the day as you mobilise your spine, however, as the day progresses and you become more tired, the pain returns as a persistent ache.

This process repeats until your muscles have fully recovered. The intensity of the pain and how long it lasts will reduce over time until it becomes more of a niggle or nuisance pain. From a legal perspective, the injury is not deemed to have recovered until you feel the same as you did before your accident. This is why even a minor injury where you feel pain for a few days or weeks can get you more compensation as the ‘niggle’ period will be counted when valuing your compensation.

What Can I do to Help My Whiplash?

There are several things that you can do to help you recover from a whiplash injury. The first thing is to try and continue with your daily life as best you can. By keeping yourself mobile your spins muscles will not have time to tighten or seize. You should take analgesia such as ibuprofen and paracetamol. If the pain is too severe you should speak with your GP. There are some simple exercises you can do to stretch your muscles but if the pain is too much to do these yourself you should see a rehabilitation professional.

If the pain from your whiplash so mild that it is more of a nuisance than restrictive, you should continue your normal daily activities. If the pain continues throughout the day over the counter medicine such as paracetamol and ibuprofen should be enough to manage your whiplash. The symptoms should wear off within a few weeks and as a guide, if they persist beyond 6 weeks you may need further investigation.

The NHS has several guides for people with whiplash but a simple one with videos is here. The exercises are designed to ease the tension in the muscles of your upper spine which reduces the tension and pain. They involve turning your head from one shoulder to the other in a slow and controlled manner. Another involves you moving your ear to your shoulder and then slowly lowering your other ear to that shoulder. Anyone can do them and at any time and place. Doing them consistently can ease your whiplash pain and increase your healing time.

If the pain is so bad that you cannot move much you should speak with your GP. They will be able to prescribe you with stronger pain medication and will offer you specific advice based on your current health condition and what they think will work best for you. As an alternative, you can speak with a registered physiotherapist and schedule a course of treatment which should aid with your recovery. You can do this on a private basis if you need help immediately or self-refer through the NHS but you may wait several weeks to bee seen. As part of our service we schedule a quick telephone consultation with one of our registered physiotherapists who will arrange a course of treatment should that be needed. This is a free service that Rapid Claim offer which means that you do not have to worry about the cost or the long wait time for treatment to start.

How Much Will I Get?

How much compensation you will be paid depends on a number of factors. To get the best advice on how much your claim is worth you would need something called a medicolegal report. This is a report by a doctor who specialises in these reports and will detail any injuries that you have. Without this report any compensation will be based on a ‘best guess’ from the injuries you describe. See the tool below to use the injury calculator for a ‘best guess’ valuation.

How much compensation you get is determined by three main factors; what injuries you have and how long they have/will last for, on how much your life was affected by the injuries and who is dealing with your claim. It is always best to seek professional advice from someone you trust. Making a claim can be daunting and some companies will take advantage of you if they do not believe you know what you are doing.

It is not uncommon for the insurer of the driver who was at fault to contact you (if they have your details) after an accident. They may wish to confirm some details but they may also offer to deal with your injury claim and make you an offer to settle. Insurance companies often attempt to settle your claim as low as possible and you may find that you have been severely disadvantaged by accepting their offer. Rapid Claim offer a service where they will advise you if you are unsure, even if you have already received an offer from the insurance company. Click here to get free advice on your direct claim.

 The traditional option is to contact a law form and have them deal with your full claim. The problem with this option is that it often takes far longer to settle your claim and you will be subject to a deduction of your compensation that can be as high as 30%. That means that for every £1000 the law firm will take £300 of your compensation leaving you with only £700. Law firms try to increase the fees that they get from the insurance company by taking your case to court. This adds about 9-12 months onto the time it would normally take to settle your claim and the average time it takes for a law firm to settle your claim is 27 months.

Rapid Claim was created by a team of people who have worked for insurance companies and law firms. Rapid Claim pride ourselves on knowing how both worlds work and bringing the best elements of both to our clients. Rapid Claim deal with your full claim, from start to finish and we use our expertise and experience of the claim world to the advantage of our clients. On average, our clients full claim is settled at approximately 4 months and your compensation is paid directly into your bank account by Faster Payment and you keep 100% of your compensation.

What is the Medical Process Like?

The medical process is very routine, straightforward and short. When you hear someone say Medical Appointment it conjures images of white coats, needles, machines and being asked to change into a medical gown – nothing could be further from the truth. The process is much like going to see your own GP.

The exact format your medical appointment will take will differ between companies and doctors but the basics remain the same. You will be provided with an appointment date and time. The appointment usually takes place in an office meeting room and you will sit across from the doctor who will ask you some questions. You will have been provided with a questionnaire to complete by the doctor before seeing them. The full process should take no longer than 10 minutes.

If you are in pain when you meet with the doctor, they should perform a basic examination. They will ask you to stand, then ask you to touch your toes and stretch up as far as you can. This will allow the doctor to assess how restricted your movements are. The doctor will provide you with some advice and will answer any questions you have about your injuries.

After your appointment the doctor will right up your report, review any medical records that are relevant to your claim and send a copy to the insurer (if you are claiming directly) or to your agent (law firm, etc.) who will use the report to value your compensation. You should be provided with a copy of this report.

Rapid Claim use a small group of doctors with different specialties. If we need a report or if you need a proper examination, we will arrange this. Our doctors work from clinics throughout the country and you should not need to travel far to see them at the clinic. Rapid Claim works with our doctor network to ensure that you are seen as soon as possible and that any treatment the doctor believes you would benefit from is scheduled as soon as possible.

What If I Have A Serious Injury?

If you have a serous injury the basics of the claim process are the same, however, more serious injury often means that you need more serious help during your claim process. You may need specialised medical treatment or even surgery. You may need help at home or specialised equipment to assist with your recovery. If your employment has been affected by your injuries you may need help with your income. This is why seeking professional advice is important after an accident. Rapid Claim prides itself on providing tailored advice to our clients which is why you will get your own dedicated claim manager who will stay with you throughout your claim.

Depending on how serious your injury is you may be receiving treatment from your NHS consultant. This treatment always takes priority and our doctor will defer to your consultant with regard to your medical treatment. If any specialised medical treatment is required such as rehabilitation or surgery, Rapid Claim will arrange for this privately so that you do not have to wait in an NHS treatment queue. There would be no charge to you for this as we would agree the treatment with the insurer of the driver who was at fault.

There are times when you may need specialised equipment to help with your recovery from a serious injury. This could be something as simple as a back support for your chair or as complex as a specialised prosthetic limb. The NHS will of course provide you with essential equipment but if you require something specific you would need to pay for this yourself. Rapid Claim have years of experience dealing with complex and serious injury claims for our clients. Rapid Claim has a network of specialists who can assess what you need and obtain the right equipment for you.

When injuries are serious or complex, you may find that you need assistance with your day to day life. This could be in the form of a friend or family member helping you out but there are times when you may need professional help such as in-home nursing care. These issues can be complicated when you have suffered an injury as a result of an accident and the NHS may insist that you source this privately. Rapid Claim works closely with one of the best home care providers in the UK and any requirements you need would be addressed quickly.

If you have been unable to work due to a serious injury you will want to focus all of your energy into your recovery. Not all employers offer sickness benefit and the current Statutory Sick Pay is £95.85 per week for no longer than 28 weeks. Rapid Claim will assess your claim at the beginning and determine if this is likely to become an issue. Rapid Claim will determine your normal monthly income and discuss options with the insurer so that you can get an interim (partial) payment that will allow you to cover your bills and day to day spending to allow you to focus on your recovery.

What Help Can I Get?

The help that you are offered differs depending on how you are dealing with your claim. If you have chosen not to make a claim then you will find the help and support available to you limited. If you contact a company to make your claim, they may offer some services but the availability varies widely. If you do make a claim by yourself the insurer should offer you a physiotherapy consultation but this tends to be the extent of their help. Rapid Claim offer a full service to our clients meaning that you get the services that you need, advice you can trust allowing you to focus on your recovery.

Advice

The best way that you can get all of the help you need and the best settlement possible, is by getting the right advice. Someone to guide you through the complicated process of making a claim and who will arrange any experts that are needed to settle your claim.

Rapid Claim will always offer you the best advice possible. Rapid Claim was created with a central ethos, ‘put our client at the heart of everything we do and provide a service to allow people to be fairly compensated”. One of the ways Rapid Claim keeps that promise is by providing you with solid advice that you can rely on and trust.

Rehabilitation

You may think that rehabilitation is only needed when someone has suffered a serious injury. Whilst the rehabilitation needed then will be more intense, even a minor whiplash injury will benefit from rehabilitation. The services available do vary but the most common type is physiotherapy.

A whiplash injury is caused when the muscle is moved violently. This causes the muscle to tighten and to aid recovery a simple course of physiotherapy will usually allow you to resume your normal life without too much interruption.

Rapid claim works closely with a network of professional physiotherapists who are registered with the Health & Care Professions Council. This is the professional body who regulates the industry and you should never consult with a therapist who is not registered with the HCPC.

Through our network we are able to provide our clients with a quick consultation with a physiotherapist and a treatment plan can be tailored to your needs at a clinic near your home address.

Financial Support

Financial support is something which is often overlooked when making a personal injury claim. If the injury is very minor there may be no financial losses involved, however, an accident does not have to be serious for it to affect your life. When it does, you will need support to help you.

The most common form of financial hardship that can be placed on someone after an accident is being unable to work. If you are fortunate enough to have an employer who has a good company sick scheme you may get support for a period, but no employer will pay you full sick pay indefinitely. Statutory Sick Pay is available for a maximum of 28 weeks in total and only at a rate of £415.35 a month.

 This is one of the areas where Rapid Claim take a very different approach from other companies. We appreciate that the prospect of being unable to pay bills or buy food can cause more distress than the injury itself. That is why Rapid Claim will begin negotiations with the insurer for the driver who was at fault as soon as we believe it will impact your long-term earnings. Rapid Claim have successfully negotiated to obtain an early settlement (or interim payment) for any loss of earnings. This means that you would receive a payment before your claim is settled which will take the pressure off any financial hardship you may be experiencing.

Most of our team have also worked with the Citizens Advice Bureau and we will help not only with your injury claim, but ensure that you are provided with any statutory help from the NHS, your local authority and the DWP that you are entitled to. This will ensure that you are placed in the best possible position for the years ahead, long after Rapid Claim have settled your claim.

What Types of Claims Can I Make?

The law of the land is that you can claim for compensation for any pain, suffering and loss that you suffer if another party was responsible for it. ‘Where there’s a blame, there’s a claim’ is an accurate expression, but you do need to prove that there was blame which is why you should always seek advice. Rapid Claim only deal with RTAs (road traffic accidents). If you were involved in any accident which involved any vehicle with a registration plate, we are able to assist you.

There are several types of claims which fall into this category.

Driver Claims

A driver claim is a claim made by the driver of any non-fault vehicle. The driver of any non-fault vehicle can make a claim against the at fault driver’s insurance when they are able to prove that the other driver was to blame for the accident. There are some common accident types such as being hit in the rear, where fault is obvious, however, it is not uncommon for the other driver to dispute liability which does lead to complications.

You should discuss your accident with a legal advisor who understands RTA liability arguments. Rapid Claim have a proven track record of investigating liability and providing a solid legal argument which is often accepted by the insurer. It is with this experience that Rapid Claim often settle their client’s claims within 5 months, which is almost two years quicker than most other companies.

If liability is settled on a split basis, such as a 5050 claim, you are still entitled to your compensation. Any compensation you receive will be on the same basis as the liability. If your claim settled on a 5050 basis and it was valued at £2,500 – you would receive £1,250. Rapid Claim always pay the full sum to our clients so that you always get a 100% free compensation claim.

Passenger Claims

A passenger claim is any claim made by someone who was a passenger in a vehicle. Legally, a passenger is deemed to be an innocent party to the accident. This is because a passenger ad no control over the accident and so they cannot be liable or at fault for any part of it. That is why passenger claims are often settled far quicker than any other type of claim.

It is not uncommon for insurers to make an offer to settle a passenger’s claim quickly. That is why it is important to have a legal advisor who understands RTA claims and what is and is not a far compensation amount. Rapid Claim have a proven track record of negotiating compensation, or quantum as it is known legally. We use this experience ensure that our client’s always get a fair compensation amount that is usually higher than most other companies and we pay the full sum to our clients so that you always get a 100% free compensation claim.

Even if you were in the vehicle which was at fault you are entitled to claim compensation. Rapid Claim have many clients who were passengers in a friend or family member’s vehicle at the time of the accident and their driver was at fault. Most of these client’s are reluctant to claim against their friend or partner until we explain how the process works. When an accident happens, it will affect that driver’s insurance policy. Even if you then claim, that does not affect the policy anymore. In fact, we often have drivers who contact us and their family who was in the car make a claim and the money is used to off-set the cost that the claim had to the driver, covering policy excess or repair payments.

Pedestrian Claims

A pedestrian claim is any claim made by a pedestrian who was involved in an RTA. Pedestrian claims can be complicated, especially if you cannot remember how the accident happened. It is not uncommon for the other driver to dispute liability which does lead to complications. Claims by pedestrians can also have the most severe injuries and you may require more intensive help and support.

You should discuss your accident with a legal advisor who has experience with pedestrian claims as they can be more complex. Rapid Claim has a proven track record in dealing with pedestrian claims. We have an extensive network of rehabilitations providers and medical professionals who we rely upon for advice and treatment. If your injuries are more complex or requires additional support and treatment Rapid Claim has the network to ensure that you get that treatment and support.

Rapid Claim will begin early discussions with the insurer of the at fault driver to cover any interim payments that you need to give you peace of mind whilst you recover. This way you can get your treatment and any rehabilitation without the worry of how you will pay your bills or put food on the table. Rapid Claim will work to get your claim settled in the fastest possible time and for a fair amount. You will be paid 100% of your compensation claim and we never take any deductions from our clients – unlike most other companies who may take as much as 30% of your compensation as a fee.

Cyclist Claims

A cyclist claim is any claim made by a cyclist who was involved in an RTA. Cyclist claims can be complicated, especially if you cannot remember how the accident happened. It is not uncommon for the other driver to dispute liability which does lead to complications. Claims by cyclists can also have the most severe injuries and you may require more intensive help and support.

You should discuss your accident with a legal advisor who has experience with cyclist claims as they can be more complex. Rapid Claim has a proven track record in dealing with cyclist claims and most of our team are keen cyclists. We have an extensive network of rehabilitations providers and medical professionals who we rely upon for advice and treatment. If your injuries are more complex or requires additional support and treatment Rapid Claim has the network to ensure that you get that treatment and support.

Cyclists are often as concerned by the damage caused to their bikes as they are with any injuries they suffered. Cycling is a passionate activity that provides a sense of escape and physical activity for people. Facing the prospect of a major repair to your bike, replacement parts or having to buy a new bike entirely can be as devastating as a serious injury. Rapid Claim have a network of bike specialists who will assess your bike and report what needs to be repaired or replaced to us. We will then begin negotiations immediately to have your bike claim settled. Rapid Claim will usually have a settlement agreement for your bike within a month which means that you can focus on your recovery without the worry of your damaged bike.

Rapid Claim will also begin early discussions with the insurer of the at fault driver to cover any interim payments that you need to give you peace of mind whilst you recover. This way you can get your treatment and any rehabilitation without the worry of how you will pay your bills or put food on the table. Rapid Claim will work to get your claim settled in the fastest possible time and for a fair amount. You will be paid 100% of your compensation claim and we never take any deductions from our clients – unlike most other companies who may take as much as 30% of your compensation as a fee.

Motorcyclist Claims

A motorcyclist claim is any claim made by a motorcyclist who was involved in an RTA. Motorcyclist claims can be complicated, especially if you cannot remember how the accident happened. It is not uncommon for the other driver to dispute liability which does lead to complications. Claims by motorcyclists can also have the most severe injuries and you may require more intensive help and support.

You should discuss your accident with a legal advisor who has experience with motorcyclist claims as they can be more complex. Rapid Claim has a proven track record in dealing with motorcyclist claims. We have an extensive network of rehabilitations providers and medical professionals who we rely upon for advice and treatment. If your injuries are more complex or requires additional support and treatment Rapid Claim has the network to ensure that you get that treatment and support.

Motorcyclists are often as concerned by the damage caused to their bikes as they are with any injuries they suffered. Riding is a passionate activity that provides a sense of escape for people. Facing the prospect of a major repair to your bike, replacement parts or having to buy a new bike entirely can be as devastating as a serious injury. Rapid Claim have a network of bike specialists who will assess your bike and report what needs to be repaired or replaced to us. If you require a replacement motorcycle, we will arrange that util your claim has been settled. We will then begin negotiations immediately to have your bike claim settled. Rapid Claim will usually have a settlement agreement for your bike within a month which means that you can focus on your recovery without the worry of your damaged bike.

Rapid Claim will also begin early discussions with the insurer of the at fault driver to cover any interim payments that you need to give you peace of mind whilst you recover. This way you can get your treatment and any rehabilitation without the worry of how you will pay your bills or put food on the table. Rapid Claim will work to get your claim settled in the fastest possible time and for a fair amount. You will be paid 100% of your compensation claim and we never take any deductions from our clients – unlike most other companies who may take as much as 30% of your compensation as a fee.

Bus Passenger Claims

A passenger claim is any claim made by someone who was a passenger in a vehicle. Legally, a passenger is deemed to be an innocent party to the accident. This is because a passenger ad no control over the accident and so they cannot be liable or at fault for any part of it. That is why passenger claims are often settled far quicker than any other type of claim.

It is not uncommon for insurers to make an offer to settle a passenger’s claim quickly. That is why it is important to have a legal advisor who understands RTA claims and what is and is not a far compensation amount. Rapid Claim have a proven track record of negotiating compensation, or quantum as it is known legally. We use this experience ensure that our client’s always get a fair compensation amount that is usually higher than most other companies and we pay the full sum to our clients so that you always get a 100% free compensation claim.

Even if the bus you were in was at fault, you are entitled to claim compensation. It is not uncommon for bus companies to dispute these claims and ask that you jump through several hoops in order to get your compensation. Rapid Claim pride ourselves on having a great success rate with bus claims.

Taxi Passenger Claims

A passenger claim is any claim made by someone who was a passenger in a vehicle. Legally, a passenger is deemed to be an innocent party to the accident. This is because a passenger ad no control over the accident and so they cannot be liable or at fault for any part of it. That is why passenger claims are often settled far quicker than any other type of claim.

It is not uncommon for insurers to make an offer to settle a passenger’s claim quickly. That is why it is important to have a legal advisor who understands RTA claims and what is and is not a far compensation amount. Rapid Claim have a proven track record of negotiating compensation, or quantum as it is known legally. We use this experience ensure that our client’s always get a fair compensation amount that is usually higher than most other companies and we pay the full sum to our clients so that you always get a 100% free compensation claim.

Even if the bus you were in was at fault, you are entitled to claim compensation. It is not uncommon for taxi companies to dispute these claims and ask that you jump through several hoops in order to get your compensation. Rapid Claim pride ourselves on having a great success rate with taxi claims.

How Does the Claims Process Work?

The claims process is a very daunting process to people who are not familiar with it. There is a basic legal framework that dictates what needs to be done, but in addition to this, each insurance company has their own internal process for how they deal with claims. This can make the entire process very complicated as the process varies between insurers. There are three basic steps to making any personal injury claim: –

Intimation

Intimation is the legal term for formally notifying the insurer that you are making a claim. In Scotland there is a set way that this must be done which is covered by law. After writing to the insurer they are allowed a period of 3 months to investigate. The insurer must return at the end of this point with their decision; however, it is not uncommon for the insurer not to respond. At this point, your only legal recourse is to take the matter to court.

Rapid Claim was formed by a team of people who have worked in law and insurance. We understand how both work which is why Rapid Claim take a very proactive approach to claims. Rapid Claim will assess your claim at the beginning and obtain any evidence that is required to make your claim. This experience means that Rapid Claim will work on your claim and push the insurer to settle whether or not they have returned with a formal response. We understand that by applying this pressure it forced the insurer to settle your claim sooner which is why our client’s have their claims settled 22 months earlier than most other companies.

Evidential

This is the formal process of gathering evidence for your claim. To claim compensation, you must prove that there was a loss or injury and what that loss or injury was. You will need to provide reports, images, witness details and receipts or invoices. If you forget to include anything and your claim is settled, you will not be able to return to the insurer later and ask for this. That is why you should always seek legal advice.

Rapid Claim begin working on your claim the day you contact us. We will begin to gather the evidence that you need to make your claim and get the best compensation amount, that way you do not need to worry about the hassle and stress of getting the evidence to make your claim.

In addition to getting the evidence that is legally needed, Rapid Claim will also arrange for any help or treatment you need so that you can focus yon recovering as quickly as possible. The evidential stage of any claim is the longest and most complicated. Having Rapid Claim do this stage for you will make the entre process far less straining on you.

Negotiation

The negotiation stage is where you negotiate how much compensation you will receive. The insurer is a company and they are concerned with their ‘bottom line’. It is all too common for them make a much lower offer than your claim deserves, they even call this type of offer a ‘nuisance offer’. Most people are uncomfortable when negotiating a price for something which is why direct claimants are rare.

Rapid Claim use our knowledge and experience of the insurance and law industry to negotiate a fair sum of compensation for our clients. The process usually takes no longer than a month and we always ensure that every aspect of your claim is considered when settling your compensation. This includes any costs for private treatment or rehabilitation, any loss of earnings that you have had, the cost of any equipment you had to buy and damaged property, including any vehicle claims.

Rapid Claim will ensure that your compensation is paid to you as fast as possible and we will us direct Fast Payments into your bank account which means that you should have the money almost instantly. Compensation is always paid in full so that you get a 100% free compensation claim. Most other companies will deduct up to 30% of your compensation as their fee which means that if you agreed to settle your claim at £3,000 you would only receive £2,100 of your compensation.

How Do I Make A Claim?

There is a formal process that must be followed when making any claim. You must notify the person or company that you are claiming against, you must tell them what you are claiming and provide evidence form anything that you are claiming. Although the process is formal, the steps are relatively easy to follow. The trickiest part can be negotiating a settlement with the person or company you are claiming against.

You should seek legal advice when making any claim. The reason for this is that the claim process can be difficult to navigate. Rapid Claim does plan to provide a step by step guide to making a claim on your own, when it is ready you will find it here.

The first step is to find out who insured or owns the vehicle that you hold at fault for the accident. You should write to them (always write and if possible, use email. This way you will have a record of all communication between you) and tell them that you plan to claim against them. You should provide them with your full details, the full details of the person you hold at fault, their vehicle and your vehicle (if you had one) and a brief description of the accident and where it happened.

If the insurer or company accept liability, the next step is to prove what you are claiming. If you were injured you will probably need a medicolegal report to prove your injuries. If claiming direct the insurer may obtain one of these for you and use that to value your claim. If you are claiming for any damaged property or repairs you will need to show images that the property was damaged or receipts to prove the repair.

When the nature and details of the claim are agreed, you will then negotiate your settlement figure (or compensation amount). This step can be tricky if you are not sure how much your injury is legally worth. Insurers will often try to settle the claim low and even if they make several increases, unless you have an agent who understands the true value of your claim you will be flying blind during the negotiation.

Rapid Claim offer a service where we will help you even if you are dealing with the claim directly. One of our experienced Claim Managers will look at your claim, contact the insurer and negotiate on your behalf. When you agree on a settlement figure you will receive the full sum. Rapid Claim never deduct money from our clients as we believe that it is unfair to give anything less than 100% Free compensation.

Why You shouldn’t Use Law Firms

Contacting a law firm, or usually being contacted by a law firm, is the most common way people make an injury claim in Scotland. People assume that when they instruct a lawyer to make their claim that they will receive a professional service and everything will be taken care of. Unfortunately, law firms tend to manage your claim in a way that makes them the most money – and this usually means that you will wait far longer for your compensation.

There is a set fee regime in Scotland and insurers must pay whoever is dealing with your claim on a set scale. When a claim is taken to court the fees that the solicitors get from the insurer increase dramatically which is why claims that are dealt with by a lawyer often litigate. Whilst it is true that this can lead to a higher settlement figure for you, the difference is often only a couple of hundred pounds. After the deduction is taken, the real difference in your pocket can be as small as £10. When you consider that litigation adds 10 -15 months onto your claim, that difference isn’t worth it.

Another reason you shouldn’t use a law form is that they will deduct money from your compensation. A No Win No Fee agreement is just that, you pay nothing if you lose your claim, but you do pay if you win. Law firms will not take on your case if they don’t think they can win it so in reality this is a win win for them and a lose lose for you. The average deduction that a law firm will take from your compensation is 25%, but can be as high as 30% from some of the big firms. That means that if you get £2000 compensation, they will deduct £500 in fees.

Rapid claim never deduct money from our client’s – we just don’t think that it is fair. We do take on claims on a No Win No Fee basis, but whether you win or lose, we will never charge you for the work we do on your claim. Rapid Claim will never do anything to delay your claim just so we can inflate our fees. Rapid Claim will push to get you the highest compensation that is fair and reasonable to you and will only take the claim to court if we believe that he insurer s being unreasonable and we believe that you will get more compensation.

Why You Shouldn’t Claim Directly

DIY is very popular now, even your favourite restaurants will send you the ingredients to make at home. Whilst a DIY claim may suit some people, for most DIY isn’t always the best option. There is a lot of time involved in making a claim and you will also need to research what to do and how to react when you are dealing with the insurer.

The one thing that you should bare in mind at all times is that the insurer will try to avoid paying out or to compensate you for the lowest amount you will accept. Some insurers will make you a blanket offer just so that you will go away. This is known as a nuisance offer in the industry and is usually no more than £1500. They will only make this offer if the injuries you describe are severe and the damage caused to their vehicle is significant.

Another pitfall when dealing with the claim on your own is that the insurer may dispute liability and hold you at fault or someone else. There are some brief guides on liability case law on the internet but in reality, unless you understand how to use case law, it can be a tricky minefield to navigate. If the insurer is disputing liability you should seek legal advice. This is because you may say something which you think will help your claim, but that the insurer will use against you so they do not have to pay out.

If you have started a claim directly with an insurer you can ask Rapid Claim to review your claim and offer you advice. Rapid Claim will assign a Claim Manager to review your claim in full and they will even contact the insurer and take over the negotiation of the claim for you – and we will never charge you a penny for this service.

Why You Should Use Rapid Claim

Rapid Claim pride ourselves on our service. When Rapid Claim was formed in 2018 our clients were placed at the very core of everything we did and the company was created around our clients. The best parts of the insurance company and law firm were taken and now we have a company that we are proud to call Rapid Claim.

Making a claim is as easy as 1, 2, 3

1 Contact Us → 2 Medical → 3 Settlement

Contact Us

By far the easiest step to getting your claim settled fast and fair is contacting us. Click the button to start your free claim now or if you would rather start the claim process yourself you can click that button. We will get all of the information we need to settle your claim.

You will have your own dedicated Claim Manager who will keep you informed at all times during your claim and who you can contact at any time. When your Claim Manager first speaks with you, they will listen to you. This way they will answer any questions that you have, even if you’re too shy to ask or they have slipped your mind at the time. Our Clams Managers are so good at their job that they often know what you want to ask before you have even asked it.

Your Claim Manager will keep you updated as they progress your claim and they will always give you sound advice that you know you can trust.  The first conversation you have with your Claim Manager usually takes about 30 minutes. During this call they will get all of the information that they need to build a picture of what has happened and how to get the best resolution for you. This way, you will not have to worry about calling umpteen times and having to repeat yourself to a different person.

Medical Arranged

After you have spoken with your Claim Manager for the first time they will get to work immediately. Rapid Claim will arrange for one of our registered physiotherapists to contact you and arrange a telephone consultation. If you both agree that it is necessary an appointment will be booked for you to meet with the therapist and arrange a treatment plan. Your sessions will be arranged to suit you so that you can continue with your life and focus on getting better.

Rapid Claim will also arrange for you to meet with a registered GP at a clinic near you. The GP will provide a medicolegal report that your claim manager will use to value your compensation. The medical process is very routine, straightforward and short. When you hear someone say Medical Appointment it conjures images of white coats, needles, machines and being asked to change into a medical gown – nothing could be further from the truth. The process is much like going to see your own GP.

Rapid Claim use a small group of doctors with different specialties. If we need a report or if you need a proper examination, we will arrange this. Our doctors work from clinics throughout the country and you should not need to travel far to see them at the clinic. Rapid Claim works with our doctor network to ensure that you are seen as soon as possible and that any treatment the doctor believes you would benefit from is scheduled as soon as possible.

Settlement of My Personal Injury Claim

What makes Rapid Claim different from other accident claim companies is that we have taken the best parts from all parts of the claim process and rolled them into one. We call this service the One Stop Shop because that is exactly what it is. Rapid Claim will deal with every aspect of your claim. That way you only deal with one person who knows your claim inside and out and from start to finish.

Rapid Claim takes a holistic approach to your claim. We know what can and can’t be claimed. We know what is and is not a fair and reasonable compensation amount. We also know who to go to for the best service for our clients. This all means that we are able to start working on your claim from the beginning and begin negotiations with the insurer as soon as possible. That is why Rapid Claim has the quickest settlement rate of any company in Scotland.

Rapid Claim will never charge you a fee for our services and you will never be asked to pay anything towards your claim. The insurer must pay our fees when we make a claim on behalf of a client and Rapid Claim believes that is fair compensation for our time so we will never deduct any money from your compensation. This means that you always keep 100% of your compensation which is why we can proudly state that your claim is always 100% free.

Conclusion

Can you make a claim even if you only had a minor injury? YES, you most definitely can – and should. Even a minor injury like a stiff neck for a couple of days could get you as much as £500. The process can be daunting but Rapid Claim will always offer free and reliable advice that you can trust. You could have your claim settled and compensation in your bank account in just a few months when you contact Rapid Claim.

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