Being injured because of work, can have short and long lasting effects on you, your body, your mental health and your family. In case you don’t know much about injury claims, what you can claim for, or how to do it, here is some basic advice for you. Injuries sustained from work, or through the fault of a company, for example, are often compensated for. Whatever kind of injury you’ve sustained, and even if you are still suffering from it, here is some advice for you. Many types of injuries can be claimed for, and can affect different people in different ways
Injuries sustained at work, or in your car can have devastating effects on your life. It can affect your ability to work both now and in the future, your chances of finding another job, or it could even mean that family members have to stay at home and care for because you are not able to. All of these kinds of extra expenses both on your income, your time, health, and peace of mind, are all taken into consideration when making your claim.
By reading about the basics of injury claim, hopefully you can get a good idea of whether your injury is worth pursuing compensation for. If you do choose to pursue a claim, with the information below, you will be able to decide on the best action for you.
What Injuries Can You Make Claims On?
You can make claims on any kind of physical or psychological damage you have sustained. You obviously need documentation from a specialist as proof for your injuries. The more severe the injury, the larger the amount you can claim, but this is all assessed by professionals as cases vary so much. How much the injury has caused a disability, had a negative impact on a disability, or disrupted you life, will all be taken into consideration when making a claim.
If you have an injury, evidence is the best way to prove it. Documenting the injury over time makes your case a lot stronger, and can show the full extent and severity of what you have sustained. This can also show if it has changed, or gotten worse, as time has gone on. Documentation can come in the form of photos of the injury, and especially doctors nos and any medication you take is a good thing to do. Documentation can also come in form of receipts, and keeping track of your insurance too, is advisable. Keep these documents safe, and keep good records as you might need them at any point during the claims procedure.
Check Your Insurance
It’s good to go back and read over your insurance policy of whatever you are planning on making claims for. Double and triple check about what you are covered for. There could be additional things that you are covered, that you didn’t even realise. Do a little bit of reading yourself, before you go and have a consultation. This means you will get the best out of this meeting, and have some good questions to ask the consultant when you meet them.
Loss of Earnings and Future Loss of Earnings
If your have had to take time off work because of any injury you have sustained, compensation is often claimed back for this as well. This also goes for any future losses, if you are still out of work, and expect to be in the future. These claims are based on how much money you would have taken home, rather than gross earnings, so tax is taken into consideration.
Other Things You Can Claim For
You can claim back money for damage to items or personal effects. For example broken crash helmets, equipment, or clothing. If any of these things were damaged during an incident, or at the time you sustained your injury, you make claims on these. Keeping receipts, and even the damaged items is also advisable though. At some point when making your claim, you may be asked to produce these items so they can be looked at, when assessing the extent of your claims.
If you have had to pay for your own medication, this can also be claimed back. Whether the medication is for physical pain, or used to aid your mental health, any kind of prescription can be claimed back, if you have to take them due to your injuries.
If your car has been damaged during the accident, and you have to pay for other modes of transport, this can be claimed back too. Or, if a member of your family has had to take time off work to care for you, they can also be compensated for this as well. Any kind of care work, or maintenance of your house counts towards this. Whatever extra costs you have spent due to an injury, can be covered in the claims you make. The aim is to compensate you fully, to make up for your injury as much as possible. Remember to keep documentation of any kinds of expenses, even if you are unsure if they can be claimed.
Claiming Work Compensation
Work compensation is one of the most popular to claim. There a numerous health and safety procedures that your employer can put in place, but it is impossible to cover everything and everyone,and so accidents can occur that are no one’s fault at all. However, if you suffer because of this, you can of course make a claim. Legally, all businesses need insurance, and so this is where you compensation comes from. You can claim if you: trip or fall, your workplace practises dangerous procedures, toxic substances have affected you, something falling on you, dangerous machinery, lack of proper training, fault of a co-worker, or industrial injuries sustained at work.
Claims for Car Accidents
If you have been in a car accident, the first thing you should do is call the police and report it, even if it seems that you or your vehicle have sustained only minor injuries. These police and hospital records can be kept and used at a later date as evidence if you think you will make a claim at a later date. Taking pictures of all the damages done to your car is also advisable, in case you decide to make a claim at some point in the future.
Specialist Injury Claims
If you have a very specific injury, you can consult a specialist firm, that are qualified in these kind of cases. This might include hiring a Specialist Amputation Claims Solicitor to consult you on your injury claims. Hiring a specialist solicitor means they will have experience in cases similar to yours, and will know about how best to proceed with your claims. If you think you can hire someone that specialises in your kind of injury or claim, the experience they have might give your claim a better chance of being successful.
How Long Do You Have to Make Your Claim?
For personal injuries, you have three years to make your claim, or have it issued in court. This is measures from the date of the injury, and not any other time. If you are claiming for personal effects or equipment, so not injuries sustained by yourself, these cases should be taken to court within six months. Cases concerning children should be claimed with three years of their 18th birthday, so these types of claims have longer than usual to get to court, because of the nature of many of them.
Making claims is never as easy or stress free as we would like it to be. It can be difficult for everyone around you as well as yourself. They can often take a long time to be processed. Being prepared with all the right documentation, doing your preparation and research beforehand, can make the process as easy as you can make it.
It can be worth looking a specialist solicitors, as with their experience, they can use their knowledge and experience to make your claim as strong as possible. Hiring a specialist could give your claim the right edge that means it will succeed in court.
There are many kinds of expenses you can claim that can come about as a result of an accident or injury, so research and get consultations that can tell you what kind of things you can make claims on. This can range from: bus tickets, car rental, getting your car fixed, having to buy new equipment or for work or a uniform. There are so many kinds of claims you can make, and although this won’t make up for the loss sustained by the injury, hopefully the compensation you receive will make your life a little bit easier. If you think you could have a case, do some research online, consult the insurance company and government bodies. When you have done this, look at various solicitors and what they can offer you. There are many skilled professionals out there, and many that could specialise in your injury claim.
Disclosure: Collaborative Post