Reducing Accidents at Work

June 11th, 2008

Recent laws have made it easier to reduce accidents at work. The Corporate Manslaughter and Corporate Homicide Act 2007 came into force on 6 April 2008. Legal specialist Jim Astle, of Darbys solicitors, says that the government’s intention is to make it easier to prosecute companies who fail to protect people.

Essential to this law is that it is no longer necessary for the prosecution to prove a gross breach by the ‘directing mind’ of the organisation, such as a director of a duty of care owed to the victim. Now the prosecution, says Astle, must prove a death caused by the way in which an organisations’ activities are managed or organised by its senior management, and where the latter amounts to a gross breach of a relevant duty of care owed by the organisation to the deceased.

However Steve Boorman, director of corporate responsibility for the Royal Mail Group, says that in reality the laws, in one sense, have had very little impact: “We already had the right training in place. The law has given us the opportunity to refresh the emphasis on safety with the prospect of more personal and serious penalties and this has grabbed management attention.”

Astle warns that with no limit to the fines, and companies facing going out of business if their conviction is publicised, organisations much ensure their health and safety procedures are watertight.

But it’s not just staying on the right side of the law that should encourage organisations to put their health and safety practices in check, but the very real danger of employees injuring themselves.

At Royal Mail such was the scale of the problem that a third of accidents were accounted for by slips, trips and falls. The ‘trivial’ became the ’serious’ when the cost escalated to many millions but even once things have got better, companies cannot afford to put their feet up, as Boorman concludes: “We recognise it’s a race we haven’t won yet. There are positive trends that we are very proud of but there is still more to do.”

And that really is at the heart of proactive health and safety management - the will and understanding that more can always be done.

According to official figures from the Health and Safety Executive (HSE), those accidents that are sometimes classed as ‘minor’ (slips, trips and falls) cost employers over £512 million a year in lost production and other costs.

It’s also the single most common cause of injuries at work. To put that in perspective, in the catering and hospitality industry alone, the problem cost British society £31 million last year, while the food retail and food manufacturing industries’ serious injuries carried a price tag of £50 million combined. Unsurprisingly, the construction, building and plant maintenance industry came in highest with a total cost of £139 million.

It’s a problem that is growing in importance and concern, so much so that the HSE has launched its new ‘Shattered Lives’ campaign to highlight the devastating consequences of simple accidents in the workplace.

Dr Elizabeth Gibby, head of the Injuries Reduction Programme at the HSE, says: “What these figures don’t reflect is the extent to which these injuries affect individual workers and their families.”

For many organisations, the risk profile is also huge. As Boorman himself reveals the organisation’s extremely real experiences of the issues: “We’re very proud that we’ve reduced accidents by 50% in the last five years. It was a very real problem for us, with 193,000 employees reaching 27 million addresses across the UK and one and a half million miles being driven every day.”

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Whiplash Caused From a Road Traffic Accident

June 11th, 2008

Claiming compensation for a whiplash injury is a very common accident claim in the world of personal injury. Road traffic accidents are very common and most drivers experience this at once in their driving lives. Whiplash is caused when the body is jolted forward very quickly and most of the time this is caused by a car driving into the back of your car while you are stationary at traffic lights or a round-a-bout. Around 20% of people who have been hit in the rear by another vehicle suffer whiplash symptoms.

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How to Deal With Burn Injuries

June 10th, 2008

One of the most excruciating injuries that one can ever experience is a burn injury. It will drastically change your life. Worse, it will leave a scar that will constantly remind you of your painful ordeal.

Every year, thousands of people in the United States suffer from burn injuries in one way or another. Some of the burn victims die because extreme cases while others require long-term hospitalization. In fact, burns are just one of the leading causes of unintentional death in the United States.

Having to go through it alone is agonizing enough. However, pursuing the legal processes by your own is even harder. That is why, it would be better to let someone take care of your legal needs while you recover from your injuries. It is better to hire a burn injury lawyer.

Importance of Burn Injury Lawyer

Burn injuries are one of the most expensive catastrophic injuries to treat. For instance, a burn on 30% of the total body area can cost as much as $200,000 in initial hospitalization costs and for physician’s fees. For massive burns, there are additional significant costs that will include costs for repeated hospitalization for reconstruction and for rehabilitation.

Due to these consequences, it is advisable that you consult a burn injury lawyer to determine the right compensation for you.

The impact of the injury upon the earnings and lifestyle of the victim must be considered. If a significant loss of earnings or capacity to earn results from such an injury or the victim alters his or her lifestyle because of such injury, then compensation must be accordingly increased.

Understanding the nature of burn injury will give you an idea on how to deal with this kind of injury.

Classifications of Burns

Burns are classified either by method or by degree.

The methods of burn are as follows:

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Injury Lawyers Are Greedy, Say Insurance Companies

June 10th, 2008

You see it in newspapers, TV news reports and on-line press release websites, the same story regurgitated, dressed up in various themes but the message always consistent, “Personal Injury Lawyers are driving up the cost of insurance policies”.

Its no secret that the insurance companies are behind these stories, carefully manipulating headlines and newspaper columns to help spread the word that ‘Personal Injury Lawyers are all Ambulance Chasers.’ There is a segment of lawyers that give the profession a black name and don’t help with the reputation of injury lawyers. However, the majority of injury lawyers don’t need to chase clients down, they don’t take on claims that are unrealistic in getting a result just so they can charge the claimant (the person making the claim), they don’t cold call and they don’t turn up at hospital beds shoving contracts under a persons nose while they are still receiving their stitches.

Why would insurance companies want to hurt the credibility of personal injury lawyers in this way? The reason is simple - insurance companies pay out more in compensation cases to people making a claim that are represented by a personal injury lawyer than those without a lawyer.

That’s right, they want the person who has been injured to make the claim themselves. By doing so they then can drive down the compensation paid out or worse use their own legal team to turn the claim on its head and nullify the claim completely.

Let’s strip everything away and look at the bare facts here.

The perfect insurance company scenario …

  • An individual is unfortunately hurt in an accident and the injured party makes a claim against the other party at fault who contact their insurance company.
  • The insurance company then contacts the claimant and advises them to make the claim themselves without involving any professional help such as an injury lawyer.
  • The claimant then accepts a rather reduced offer from the insurance company who have saved on litigation costs and also payment to the claimant.

The truth of the matter is that any claim those that are legally represented will receive more compensation for their injuries even after legal fees have been deducted than someone who goes it alone.

Is it any wonder then that insurance companies want individuals who have been hurt, through no fault of their own, to make a claim without legal backing.

So, next time you read the paper or hear about insurance companies complain personal injury lawyers and their involvement in compensation claims ask yourself the real motive behind their outcry.

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UK and India – Rise in Accident Claims

June 10th, 2008

It has been almost a whole year since Sunita Bansal, a mother of three underage daughters in India, was awarded a compensation of Rs 18 lakh as the result of an accident claim following the death of her husband in a motor accident. The money has not yet reached her.

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It’s a Bad Day When it Ends With a Dog Bite Attack

June 9th, 2008

Every day stress is bad enough in Santa Barbara, but then when you get home you’re faced with the neighbors’ dog that insists on almost chasing you to the door from the car. This has gone on for so long it is like a game until the day it’s a bad day when it ends with a dog bite.

What made the canine attack today, was it the hot weather, the fact that he wanted to take the game of chase a step further? Those might be some of the questions that a dog bite victim in these circumstances might ask and the fact is that it does not matter what the reason was there are injuries that require medical care, the possibility of losing work because of the injury and the fact that the owner of the dog is responsible for the injuries his pet caused.

The laws are very clear in California so when you live in Santa Barbara and it’s a bad day when it ends with a dog bite attack the owner can be held responsible for damages.

While you may not want to create problems because you live next to this person and want to keep things friendly it is possible to do this when it is handled properly. This takes someone out side of the situation that your injury does not affect the way it would a family member. It also takes the expertise of someone that has a clear knowledge of the laws regarding dog bite attacks and this is a personal injury attorney who specializes in dog bite attacks.

When there is an experienced dog bite attack attorney that becomes involved they can calmly and rationally handle the situation in a way that will not cause ill feelings between neighbors and at the same time help you to receive the settlement for damages. This will not take the pain or scars away but it will relieve the stress of medical bills and other costs.

Anyone can have a stressful day, even the canine next door and this happens more often than most people realize. The injuries can also be severe as canines have strong sharp teeth and the human skin is no match for these teeth, which means injuries can be punctures, rips in the skin, broken bones and in some cases head and face injuries.

When it’s a bad day that ends in a dog bite attack in Santa Barbara, Marina del Rey, Santa Monica, or other city in California you need the assistance of a skilled dog bite attack attorneys in Los Angeles and animal injury lawyers in Orange County. The most experienced dog bite attack attorneys are usually personal injury attorneys in LA County.

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UK Legal System Affected by No Win No Fee

June 9th, 2008

In the past ten years the advertising of No Win No Fee claims by insurance companies featuring mundane accidents has become unavoidable. Everyday minor injuries such as whiplash, slipping or falling are constantly on our television sets.

The message these adverts try to portray is the following: you can take legal action to right a wrong with very little risk of incurring costs. By simply dialling an 0800 number you can be well on your way to a healthy cheque as well as exacting retribution on a careless employer or branch of government. The age-old stereotypes of hiring a solicitor where the claimant’s first port of call is a dusty office over a shop is long gone out the window.

What has caused this relatively dramatic change? The most likely answer seems to be conditional fee agreements (CFAs), or no-win no-fee deals, first introduced by Tony Blair’s government in 1997.

Back then, minister Geoff Hoon stated: “No-win no-fee conditional agreements will result in better access to justice. Access will be given to the many people who fall between those who are very rich or those who are so poor that they qualify for legal aid.

“In future, the question of whether one gets one’s case to court will no longer depend on whether one can afford it, but on whether one’s case is a strong one.”

The 1999 Access to Justice Act, which came into force in April 2000, dramatically increased the attractiveness of no-win no-fee deals as judges could make the losing side pay the extra costs due in ‘conditional fee’ cases. These uplift fees charged by solicitors are an increase on normal fees to compensate for the possibility of loss and the consequent lack of fee, and also the insurance premiums paid to protect against the other side’s legal costs in the event of defeat.

Legal aid for personal injury cases was abolished too, making a conditional fee agreement many people’s only hope of justice. The changes in the law have fuelled much of the negative press stories about the legal industry, particularly in its most featured sector, personal injury.

Headlines like “Legal ‘vultures’ are making £2m out of the NHS each week” or “Compensation culture is killing equestrianism” or “Compensation culture wrecking small firms” have triggered the public’s imagination. It is persistently suggested that grasping lawyers vastly inflate their fees for no-win no-fee cases, leading to a drain on the public purse.

Martin Bare, outgoing president of the Association for Personal Injury Lawyers, denies this. “There is no gravy train. The perception arises because people don’t think that for the cases that you win, there’s another that you lose, for which you get nothing.”

Lawyers blame this public perception of the compensation culture at the door of claim management firms. Usually these are not staffed by solicitors, and instead act as middlemen, passing clients on to lawyers. The changes to the law made it desirable to advertise their services on television.

“That then gave them a model where they could afford to bombard you and me with endless advertisements,” says Mr Bare. “That is what makes people believe that there is a compensation culture.”

However, the statistics of personal injury claims do not necessarily back up the idea of a compensation culture. Cases involving accident and disease are notified to the Compensation Recovery Unit of the Department for Work and Pensions, as part of efforts to recoup disability benefit and NHS treatment costs from the party responsible from the injury.

However the figures have been relatively stable. The number of cases registered to the unit in 2000/1 was 735,931. The number in 2007/8 was 732,750.

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The Dog Who Bites Might Be the Next One You See

June 9th, 2008

There are thousands of people bitten by canines each year and many of these bites are severe, even deadly in some cases. To look at the statistics each year is frightening even to pet owners.

This is often a pet of someone that is well known that turns on a person they are used to seeing, it does not have to be a stranger when it comes to a canine biting. In fact all it takes in some cases is for a child to pick up a dogs toy or bone to become entangled in a dog bite attack. While this is the case all over the United States it is also true in Van Nuys and out of the thousands of canine attacks each year the largest number of them are children.

The dog who bites might be the next one you see, even the neighbors dog that you see every day can have a bad day and turn on someone who would never suspect the canine to attack. Hot weather, puppies, food, bones and other reasons can make a dog attack if they feel threatened.

This can be a long process to heal from a dog bite attack, there are puncture marks, there are often tears in the skin and even broken bones when there is a dog bite attack in Van Nuys. When it is a child that is bitten the damage done by the dog bite attack is usually injuries in the face and head because of the height of the child.

The dog that bites might be the next one you see and when a canine does bite the injured victim needs the representation of an experienced dog bite attack attorney who understands how painful a canine bite can be, how the victim may know the owner of the pet and may feel they do not want to loose their friendship. There also might be the fact that there will be many medical bills yet to come over time that the experienced personal injury attorney who has a proven record with dog bite attacks will add into the case that he prepares for the client.

While dog bite attacks happen every day not every attorney is prepared to handle such a case and the dog bite victim would be wise to ensure the attorney that they hire is one that has experience with dog bite attacks and the laws that govern this type of accident.

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Protection Policy-holders Encouraged to Take No Win No Fee Action

June 8th, 2008

HFC bank was fined £1.1 million by the FSA in January for failings in the way it sold cover. Law firm Clyde & Co is now planning to unite customers of the bank in a class action dispute on a no win, no fee basis.

Clyde & co say that the average person who was sold payment protection insurance (PPI) by the bank, paid £2000 in premiums. If the bank were forced to repay those premiums the compensation bill could cost over £300 million.

HFC is believed to have sold 163,000 policies without gathering sufficient information about the customers circumstances or taking into account whether a PPI was suitable.

Clyde & co hope to gather about 500 people to take part in action, which would be on a no win no fee basis.

A spokesperson from HFA denies knowledge of the claim and refuses to admit that PPIs were mis-sold saying that “so far we have not been contacted regarding any legal action and so we are unable to comment in any detail.

“The original fine by the FSA in January was for deficiencies in procedures in our branches from January 2005 to May 2007, but there were no findings of mis-selling and there was no evidence that consumers had been disadvantaged.

“However, we are working hand-in-hand with the FSA to ensure this is the case.”

Consumer group Which? recommend that if you have been mis sold a PPI that you should pursue the matter individually rather than through class action:

“While we want to see more people claim back mis-sold PPI, it’s hard to see the benefit of a class action as consumers can easily claim the money back themselves.

“Processing your own claim is simple. If you think you’ve been mis-sold PPI you should write to your lender to claim the money back.

“If you don’t get a satisfactory response then you should take the matter to the Financial Ombudsman Service, which is free,” said Doug Taylor personal finance campaigns manager at Which?

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Claiming Compensation For Repetitive Strain Injury (RSI)

June 8th, 2008

Repetitive strain injury or RSI is a condition resulting from overuse of a tool like a computer, guitar or anything that require repeated movements. The condition affects the muscles tendons and nerves of the hands, arms and upper back due to these being tense for long periods of time. RSI is not a recognized medical condition, but a term used to describe the range of injuries caused by repetitive movements or overuse.

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