Cutting Out the Middle Man

May 29th, 2008

Making an insurance claim for a personal injury can be a complicated legal process, one thing the consumer does not want is their personal details being sold instantly after making the claim. New industry evidence suggests this is exactly what is happening, with the details fetching up to £1,000.

It has been a common practice in the insurance industry for insurers and claims management companies to make a profit from selling personal injury claims to firms of solicitors who will then attempt to get the injured person compensation. The most alarming fact is that the sold prices do not make their way to the injured party in any shape or form. One law firm has decided to address the practice head on, and to that end, Simpson Millar LLP has introduced a new scheme where the firm will offer to buy the claim from the injured person directly- cutting out the intermediary.

Personal injury solicitors have been buying the victims’ claims details from claims management companies for an uncomfortably long time and Simpson Millar LLP are tipping the balance in the favor of the victim whose interests come first, as opposed to
providing a financial benefit as a result of their misfortune.

It is a real concern as personal injury solicitors are trying to outbid each other for the opportunity to run these claims and the ensuing price war has dramatically increased the cost of referral fees to benefit claims management companies. The end result being that the claimant loses out on good legal service as many law firms are forced to place less experienced lawyers in charge of handling personal injury claims to make financial ends meet.

Simpson Millar LLP’s scheme really does cut out the middle man and as an alternative to paying a company for a claimant’s accident claim; the solicitor will pay the injured person directly. In addition to addressing the current worrying trend, the firm acts on a “no win no fee” basis and guarantees that the injured party keeps the entire compensation awarded. Furthermore, it will not be deducted from any compensation received later on and individuals will not have to pay it back if they lose the case.

Ultimately it is the injured client who has to come first, the time spent outbidding other solicitors for referral fees could instead be spent settling a case and so make a better use of resources.

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10 Safety Tips To Prevent Road Accidents

May 29th, 2008

Every year around 3300 people, that’s around 9 every day, are killed or disabled as a result of car accidents in the UK.

The Royal Society for the prevention of accidents has formed a list of ten tips that could prevent accidents from happening.

1. Check your speedometer regularly, especially when coming off high speed roads

If you don’t regularly check your speedometer it’s very easy sometimes to not realise how fast you are going. You may be in a built up area where there is minimum speed limit but adhering to that can feel like you are crawling. Checking you are within the speed limit regularly may not only save you a fine for speeding but can save lives too.

2. Know the limits - look for signs, especially at junctions

You need to know the speed limit of the roads you are using. In many cases, the nature of the road does not indicate the speed limit. In urban areas, for example, dual carriageways can have limits of 30 mph, 40 mph, 50 mph, 60 mph or 70 mph.

Speed limit signs tend to be placed at junctions because this is often the point at which the limit changes. However, junctions are also where you need to absorb a wide range of different information and it is easy to miss a speed limit sign when concentrating on one or more other things (e.g., which way am I going, is that driver going to pull out, etc). So you need to get into the habit of checking for speed limit signs at junctions, and looking for repeater signs after the junction, especially if the nature of the road has changed.

3. Assume lamp posts mean 30 mph, until signs say otherwise - but remember it could be 20 mph

The Highway Code advises that street lights usually mean the limit is 30 mph unless there are signs showing otherwise. Use your common sense judgement as well. If it looks like a built up residential area then lower your speed accordingly to 30 mph.

4. Remember, speed limits are a maximum, not targets

Examples of situations where drivers should drive at lower speeds than the limits are:

around schools at opening and closing times, when children are about (especially residential areas, near playgrounds or parks), on busy, narrow roads, where parked vehicles reduce the width of the road, on rural roads which are narrow, bendy and hilly and visibility is restricted, in poor weather or reduced visibility, on wet, icy or snowy roads or at roadworks.

5. 20’s plenty when kids are about - and may even be too fast

One of the most effective ways we can ensure that a child who dashes into the road or who makes a mistake while cycling does not pay for that mistake with their life, is to drive slower when children are, or may be, about.

6. Try no higher than 3rd gear in a 30 mph limit

If you struggle to keep your car within 30 mph when driving in a 30 mph zone, try driving in 3rd gear (or lower when necessary). If you can comfortably travel at 30 mph in 3rd gear without feeling that the engine is laboured, adopt ‘no higher than 3rd in 30 mph’ as a principle.

7. Recognise what makes you speed - keeping up with traffic, overtaking or being tailgated

We all have reasons why we sometimes speed up. It might be listening to loud music or feeling stressed by a driver too close behind. Finding out personal speed triggers and then addressing them is a good way forward.

8. Concentrate - distracted drivers speed

Paying attention while driving is obviously very important and can lead to less
speeding.

9. Slow down when entering villages

Villages are in rural areas and normally surrounded by roads with 60 mph limits. But, of course, in the village itself there are pedestrians, cyclists, junctions, slow-moving vehicles.

10. Give yourself time - there’s no need to speed and you won’t get there quicker

You’re late so you drive faster to make up the time. The reality in a lot of cases is that you can try to drive like the clappers but not get there much quicker than if you drove normally.

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Why You Need a Brain Injury Attorney

May 29th, 2008

Working with an experienced brain injury attorney will lessen the burden and stress of brain injury right away. Your attorney can give you an idea of what to expect from your case financially, and what you need to do today to start getting the medical bills under control. More importantly, for most brain injury patients and their loved ones, an experienced brain injury attorney understands brain injury, is aware of the latest developments in diagnosis and treatment, and works with brain injury specialists and experts. Through your attorney you will gain access to knowledge, medical care, and support which your current doctor may not be able to provide. What makes a brain injury attorney different from other personal injury attorneys
Brain injury cases are more complex than most personal injury cases. An experienced brain injury attorney understands the elusive nature of brain injury symptoms and evidence, and has ample experience dealing with the types of cases which typically cause brain injuries, including auto accidents, slip and fall, and construction accidents. Evidence
The brain is still mysterious territory, and new discoveries are made every day. Brain injury does not always appear as structural damage in medical imaging tests, even when the consequences are severe. The standard terms that doctors use to describe brain injury are confusing and can easily mislead a jury. For instance, “mild” brain injury means that the victim suffered only a brief loss of consciousness, but the actual damage to the brain can still be extensive and cause permanent disability. The evidence needed in a brain injury lawsuit is a combination of the most advanced medical testing available and documents, records, and testimony which, when used together can paint a picture of the person you were before injury and the person you have become. Compensation and your future
The cost of brain injury goes beyond acute medical care. While you are recovering you may be unable to work, meaning that the bills are racking up. Even a good recovery may not mean that you are able to meet your pre-injury earning potential. People with brain injuries who recover well enough to live normal lives often have life-long problems with short term memory, concentration, and multitasking. Others have good days followed by days of extreme fatigue making it difficult or impossible to hold down a job. Because recovery is unpredictable, calculating damages, including loss of income, the cost of rehabilitation, and long term care is a difficult and complex process. Insurance companies will try to present your prognosis in the best possible light, meaning the least expensive outcome. Can your attorney afford to represent you?
Brain injury cases are very expensive to pursue. Brain injury specialists and experts must be hired to provide evidence and prove your case. Fortunately, most attorneys handle brain injury cases on a contingency basis, so you don’t have to front the costs. However, your attorney must have the funds to cover these expenses, which can be in excess of $50,000.00.

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