Personal-Injury-Claims-Guide
[1]
What IF I Could Get You More Money For Your Personal Injury And You
Keep All Of It - Would You Be Interested?
"If you'd like to finally learn the secrets of how to obtain more
personal injury compensation, save on solicitor's costs,cut down on
the time it takes to get paid out and stop being stressed out in the
process about winning or losing then this may be the most important
letter you read today!
Did you know that almost 99 percent of personal injury claims never
get to the front door of a court in the UK? Also that the longer your
solicitor drags out your claim the more money they receive in costs
but this will not increase your personal injury compensation claim.
And if they cannot recover all their costs you are liable for their
un-recovered costs? So why would you want to risk giving up a
substantial part of your personal injury settlement ie your hard
earned wages to a personal injury claims lawyer when they are more
than likey much better off than you in the first place?"
From: Matrix Jones
Matrix Insurance Solutions
Dear "Do-It-Yourself Personal Injury Claimant,
Look at this list and answer truthfully which of the problems
identified you are having trouble with right now!
* Do you know how much time you have available to make a personal
injury claim? Under current statute known as The Limitation Act 1980
there are fixed time limits to bring your claim otherwise the claim
becomes 'statute barred'.
* Are you struggling to afford a no win no fee solicitor or
worried about paying their fees? Since the abolition of legal aid most
personal injury claims are now considered under a no win no fee basis
but this does not mean you will escape paying solicitors fees in all
cases.
* Do you know which solicitors to trust in handling your personal
injury claim? There have been a host of claims management companies
who were only interested in making a quick commission. However,
fortunately a number of these have now gone due to implementation of
higher standards in the industry.
* Can you trust your own knowledge to deliver the best results? A
lot of people just like you have no alternative but to make their own
claim by writing directly to the insurance company. The problem is
that they will only pay out what you claim and no more. So if you dont
know all that you are entitled to you are not going to get all the
compensation you deserve.
* Are you having trouble deciding whose fault the accident injury
was? It is not always a simple matter to decide liability for an
accident, whether it be a motor accident or claim against your
employer or perhaps a slip in a supermarket or on a pavement.
* Do you know how much injury compensation you may be entitled to?
The level of compensation varies depending on the nature and extent of
your injury. However, it is not unknown for two claimants suffering
similar injuries to receive vastly different amounts in damages for
their injury.
* Do you know what the difference is between general damages and
special damages and what items to claim under each head of claim?
Further, do you know what your entitlement might be in respect of a
claim for loss of earnings or future loss claim?
* Do you know how many times you are entitled to receive accident
injury compensation for your claim? You may not have previously been
aware that you are entitled to an interim payment prior to the final
settlement of your claim. Do you know in what circumstances you may be
entitled to this money?
* Do you really know what may be holding up your claim? Whilst you
are sitting there not hearing from your solicitor or insurance company
do you know what is really holding up your claim? And do you know what
to do about it to get results? This may be a major frustration for you
even as we speak.
* Are you worried the claim may go to court? Historically,only a
small minority of claims, less than 2 percent ever go to court. The
majority of claims fall within the jurisdiction of the Small Claims
Court and the County Court. Only a small minority of claims are of
such value to fall within the remit of the High Court and an even
smaller number go to trial. So the question arise what is it you are
paying for solicitors expertise for?
These are just some of the questions that you may not have
considered. As the saying goes 'you don't know what you don't know'.
But if someone points these things out to you then it changes
everything because now you do know.
Of course you may be feeling a bit daunted. How can you be expected
to manage all these problems on your own? (heck, a lot of people make
a right pigs ear of their claims because of simply not knowing a few
secrets that could have turned the claim in their favour or
significantly increase their compensation).
But as I mentioned above the vast majority of claims are settled by
negotiations directly with the insurance company rather than through
the courts. Indeed, there is very little desire on the part of the
insurance company to go to court even if they have a strong case
because that would increase their costs.
Have you been recently involved in negotiation with an insurance
company in respect of a claim such as a motor car accident involving
personal injury? Or do you know of a relative or friend who has been
injured in a recent traffic accident? You may be aware of the
statistics in respect of fatal accidents particularly involving young
people and the problems of drink driving. If you have lost a son or
daughter or other loved one in a motor accident then you will know and
have felt the pain I am talking about.
It is not just on the roads that people meet with accidents but also
industrial injuries at work in the factory or in the office. Many
people have lost limbs through amputation or lost their lives by being
crushed in un-guarded factory machines.An accident can therefore be a
devastating event for you and your family and the effects can last for
years. And if you do not seek or receive professional help from a
psychiatrist or your doctor you may never fully recover.
The physical injury alone can take months to heal and in some cases
you will never be the same again. Some people suffer horrific facial
scars from car windscreens. And in the case of other type of injuries
such as whiplash injury and fractures that can have you laid up in
hospital or stuck at home for months.If you have been in a nasty
accident yourself then you are most probably in pain whether
phisiccally or psychologically as the pain never completely goes away.
Therefore the only known way to provide you with compensation is to
pay you a sum of money to cover loss of earnings and pain and
suffering with any other heads of claim to which you are entitled.
However,whilst money does not cure all your pains it certainly has
the capacity of making your life much more comfortable than would
otherwise be the case without it. It will help you to get over your
pain and suffering by buying you the best medical attention available
so that your life can be returned to some semblance of normality.
And after you have had the best medical treatment money will
continue to help you in whatever circumstances your life happens to be
at that point and into the future.Some people are unfortunate to be
left after an accident in a vegetative state requiring round the clock
MEDICAL CARE AND supervision. Only by being able to claim and receive
adequate compensation payable in most cases in a lump sum which can be
invested for your care for the rest of your life will you be able to
continue and maintain some sort of life worth living.
You have the choice of either going to a solicitor or making a claim
yourself against the insurance company. As I said before the majority
of claims are of a value to be within the limits of the Small Claims
Court or County Court so we are not talking huge sums of money as in
the case of a paraplegic or brain injury case. And most of these cases
will never get to either of the courts.
This is where I believe that I may be able to help you if you were
unfortunate enough to be injured in an accident due to someone else's
fault or negligence, whether this be a motor accident, slip on the
pavement or in a super-market or had an accident at work.Your injuries
may be of average severity as indicated earlier or it could just be
cuts and bruises from slipping on a wet surface, such as in a
supermarket. In either case I have a solution that that is just for
you.
A lot of people turn to no win no fee lawyer to solve all their
problems for them. This is one possible solution AS INDICATED ABOVE
but this is not always the best solution for the reasons stated
previously for your particular circumstances. You could find yourself
in a worse position financially if you were to instruct a solicitor
without giving some thought to your particular circumstances.
There are thousands of personal injury victims of the so-called 'no
win no fee' claims culture who find themselves owing money to their no
win no fee solicitor even though their compensation claim has been
settled by the insurance company. Don't become a victim of the no win
no fee scheme yourself .
Let me introduce myself. I will not take up too much of your time
trying to convince you how wonderful and knowledgeable I am.That is
probably true but that is not the purpose of writing to you. I am just
an ordinary bloke like your 'average joe' but with a slight
difference. My purpose in writing to you is to help ordinary people
like yourself to get fair and adequate compensation for your injuries
following a personal injury accident which was not your fault. In fact
I aim to show you how to get more money than the average person and I
have given you a clue earlier that one way to do this is to know all
items of claim to which you are entitled.
I have been a senior personal injury claims handler for over 25
years and I am professionally qualified by the Chartered Insurance
Institute and also hold a business degree. I have a wide range of
experience in different classes of personal injury claims. I don't
want this letter to sound like a CV so I shall say no more about my
credentials but confine matters to what I can do for you.
As I was saying, my purpose here is to help you get compensation and
to maximize the level of the compensation you receive for your
personal injury. How can I do this and why would I want to help you.
Well, I can do it by raising awareness through the knowledge that I
have gained negotiating thousands of claims during my career. In my
role as a personal injury claims specialist I negotiated and settled
thousands of claims submitted by solicitors to me at the insurance
company.
I have seen how weak some solicitors are at getting the best
compensation for their clients. I have seen how a number of solicitors
are mainly interested in their costs rather than the amount of
compensation their clients receive. In some cases the solicitors
recovered huge costs whilst their clients received only a pittance in
compensation in comparison. In the case of certain 'small claims' they
tried to bump these up but just so that they could recover costs and
disbursements. In a lot of cases we reviewed we hadn't heard from the
solicitor for months and we even closed some of those cases as we
never heard again from the solicitor. Some of these were very good
cases for compensation for their clients.
Well having churned on these situations for years and now that I
work independently I feel able to help victims of personal injury
accidents like yourself recover the compensation to which you are
entitled. No longer can I sit by and know that people just like you
are being short changed like this.
Of course it would not be honest if I did not declare that there was
something in it for me as well. However, as you will see later the
benefits to you exceed those I receive but this is truly a 'win win'
situation. I impart some knowledge to you for which I receive a small
one time payment so that you can obtain all the compensation you
deserve for your injury.
You may be tempted to argue that that is what you pay your solicitor
to do for you. However, your solicitor is not really interested in you
as a person. You may find this hard to believe and accept but it is
true. He sees you as one of the daily statistics that flow through the
door, to which he allocates a claim number. Never mind the facade of
the friendly greetings every time he sees you as you merely remind him
of his impending fees.
And speaking of fees he doesn't care who pays it so long as he gets
paid. He operates a little 'time machine' on his desk where all
activities are listed and timed to the nano-second. That is how he
accounts for the time spent on your case when he submits his fees.Even
the apparently friendly greeting phase of your meetings is timed and
costed in his fees.
He may argue that he is being professional and that is partly true.
He is being professional to ensure that his time is paid for by you or
the insurance company. Do you think that you are protected by signing
a 'no-win-no-fee' agreement? I am glad you asked this question so that
I can send you a 'free' report to which I refer below on this very
subject.
What else can I do for you? I aim to provide you with the solutions
to the problems identified previously in this letter which I will come
to very shortly.
* QUESTIONS SUCH AS HOW MUCH COMPENSATION YOU ARE ENTITLED TO
RECEIVE FOR YOUR INJURIES WHICH IS AN ONGOING ISSUE FOR CLAIMANTS WILL
BECOME CLEAR TO YOU.
* HOW MUCH ARE YOU ENTITLED TO FOR LOSS OF EARNINGS,EXPENSES AND
ANY FUTURE LOSS CLAIM.
* HOW MUCH ARE YOU ENTITLED TO FOR GENERAL DAMAGES FOR PAIN AND
SUFFERING AND LOSS OF FACULTY.
* WHAT MEDICAL SPECIALIST IS BEST TO REPORT ON YOUR INJURIES SO
THAT YOU GET MORE COMPENSATION. AND THIS IS NOT YOUR GP.
* YOU WILL ALSO BE ABLE TO AVOID INCURRING EXPENSIVE SOLICITORS
COSTS FOR MOST TYPE OF INJURIES, SUCH AS WHIPLASH TYPE INJURIES WHICH
ARE QUITE COMMON IN MOTOR CAR ACCIDENTS.
* WHY YOU MAY NOT BE PROTECTED BY SIGNING A NO WIN NO FEE AGREEMENT
AND WHETHER YOUR CASE WOULD BE ACCEPTED UNDER THE SCHEME IN ANY EVENT.
* IS YOUR CLAIM TIME-BARRED UNDER STATUTE PREVENTING YOU FROM
PROCEEDING FURTHER WITH YOUR CLAIM. IF YOU ARE ABLE TO PROCEED HOW
MUCH TIME DO YOU HAVE AND HOW BEST TO UTILIZE THE TIME.
* YOU WILL NOT LOSE CONTROL OF YOUR CLAIM AND NOT KNOW WHAT IS
GOING ON BECAUSE YOU HAVE NOT HEARD FROM YOUR SOLICITOR. YOU WILL KNOW
WHERE YOU ARE AT EACH STEP OF THE WAY IN RESPECT OF YOUR CLAIM.
* AND YOU WILL BE IN A POSITION TO COMMAND HIGHER LEVELS OF
COMPENSATION FOR YOUR INJURY WITHOUT ANY HASSLE DUE TO THE INFORMATION
I WILL REVEAL TO YOU.
* WHAT TACTICS YOUR INSURANCE COMPANY MAY EMPLOY TO FORCE YOUR
HANDS TO ACCEPT A LOW LEVEL OF SETTLEMENT AND HOW YOU CAN REVERSE
THESE TACTICS AND USE IT ON THEM TO FORCE UP THE LEVEL OF YOUR
COMPENSATION.
* ALSO IMPORTANTLY,YOU WILL LEARN HOW NOT TO BECOME STRESSED BY THE
CLAIM PROCESS.
* And many more secrets too much to list here.
Announcing the ."Personal Injury Compensation Claims Guide for DIY
Claimants".
The Guide will answer the questions raised above and many others
besides.It will save on costs and put more money in your pocket.I
propose to provide you with a 'free report' so that you can experience
some of the benefits at no cost to you.The Guide will walk you through
details in a non-technical or threatening manner, in English just like
you are reading now. The Guide is based on the English Legal System
and courts in the UK. I cannot guarantee that the same rules apply in
your own country if you live outside the UK, although you may still
benefit from some of the principles covered.
For Example, Let Me Give You a Simple Exercise You Can Do Right Now
To Get Your Claim Across!
Have you ever been involved in a motor accident? Now can you draw
two rectangles representing your car and the other vehicle involved in
the accident? All you have to do now is to draw one or two arrows
showing in which direction the respective vehicles were travelling
before the accident occured. Then another sketch of the relative
position of the vehicles after the accident. How difficult was that?
I've even prepared a template letter for you to just fill in the
blanks explaining in a little more detail of the circumstances of your
accident. How cool is that?
Well in the 'Personal Injury Compensation Claims Guide for DIY
Claimants' you get to understand how to decide on fault for an
accident--- what the solicitors call 'Negligence'. This is an
important legal principle because without being able to estabish the
other party's negligence for the accident your compensation claim will
fail.This is fully explained so that you know from the outset what
your prospects are before launching your claim.
Who said claiming compensation is complicated and hard. The benefits
include being in control of your own claim instead of an impersonal
approach by a solicitor. Also, there are none of the stress factors,
as you know that are usually associated in making a claim.
I've put together a simple programme for you to get the
compensation for your injury that you deserve without having to risk
sharing or losing it to your solicitor which could happen even if you
were to win your case. And the most remarkable part of the whole
system is that once you get to know 'behind the claims scene' and what
is going on with your claim you can apply this to your benefit for any
future claims!
Do it Yourself Personal Injury Insurance Insurance Claim
The Guide presents in easy to understand language a snapshot of the
'behind the scenes' claims process from the perspective of on hands
experience.You cannot get any closer to the process of handling of
your claim than this and the information is completely reliable. Most
people making a claim will never experience what is about to be
revealed to you. And this comes from someone who has traded his time
for over 25 years in the mix handling and settling personal injury
claims from ordinary people just like you.
Reasons to get the Personal Injury Claims Guide for DIY Claimants.
Here's why:
You will be able to understand the benefits of this report when I
tell you it is based on the experience and mindset of a claims
negotiator. These strategies are not garnished from some book in a
bookshop. Nor will you find it doing a Google search on the
internet.This information comes directly from a claims negotiator who
has had more than 25 years of claims experience handling complex
orthopaedic personal injury and disease claims, right down to simple
slip and trip accident claims.
Here are three Reasons To Believe What I Say:
Reason one: As I have already said I have been at the top of my
profession and been in my field of expertise for over 25 years and
know what I am talking about.
Reason two: I have worked for several top insurance companies
although, for obvious reasons I cannot disclose such details on a web
page.
Reason three: I negotiated with solicitors across the UK both on
the phone,by correspondence, in person and on a daily basis.I am one
of the negotiators your solicitor who takes on your case for personal
injury deals with throughout the negotiation process from notification
of your claim to final settlement. I decide whether liability attach
in a particular case and how much to offer as compensation.That is why
I feel able to offer the insights contained in the Personal Injury
Compensation Claims Guide for DIY Claimants to you.
Here is a summary of some of the benefits you receive:
* You receive this digital downloadable book titled "The Personal
Injury Claims Guide for DIY Claimants" [2] [3] with your purchase.
* You receive a 'free report' which covers in detail one of the
hot topics concerning personal injury claims. It will dispel any
previous misconceptions you may have on the topic.
* I propose to include a free extracts from a chapter [4] in the
Guide so you can test it out before purchase,with no obligation to
buy.(Click the link now).
* You are automatically subscribed to our newsletter which we aim
to publish on a regular basis.
* In due course certain sections of our website, eg, articles will
be locked off to those who are not existing
members of the site. A fee will be charged to new members but
existing members will be able to have access for a while which is not
yet determined, for 'free'.
* The Guide is worth much more than you can pick it up for if you
purchase today. However,I cannot guarantee to hold the price at this
level for too long. The price may have already gone up by the time you
read this letter so the longer you wait to take advantage of today's
price the more costly it becomes.
Here are just a few of the topics in the Guide:
a) The Art of Negotiation
b) It pays To Remain Calm
c) Put Your Best Foot Forward
* You will benefit from the Guide's clear explanation of the claims
process
* You will never again be at the mercy of any Claims Management
Company
* You will know how your claim is valued so that you receive the
right compensation
* You will save on the cost of instructing solicitors
* You will save on stress, particularly the stress of 'not
knowing' what is happening to your claim.
* You will be able to structure your arguments and your claim to
gain the best advantage
* You will no longer be leaving out items of claim which
previously you had no idea you could claim
* You will be able to see the tactics of insurance companies and
be able to out-manoeuvre them
* and many other secrets you will learn from the Personal Injury
Claims Guide for DIY Claimants.
So how much would you be prepared to pay for this advantage. You are
probably already aware that solicitors advice do not come cheap if you
speak to your legal adviser. I am not a legal adviser and I am not
providing legal advice to you and, irrespective of what I say in this
letter or "The Personal Injury Claims Guide for DIY Claimants" [5]
[6], it is up to you to seek legal and professional advice.
I believe though that you will gain valuable information in the
Guide to help you with your personal injury claim. I have prepared the
Guide to help a lot of people who don't have a clue and are therefore
up against it when trying to make their own claim without the help of
solicitors.
As I said before only a small proportion of claims go to court
therefore the majority of claimants do not need to understand court
procedures or to know about advocacy in court. It is therefore
economical for you to make your own claim and avoid the risks of
solicitors costs. These can be especially costly and could rob you of
your entire compensation even if your claim was successful.
The point of the matter is that if you claim yourself you get to
keep all your compensation if you are successful. However, if you
instruct a solicitor that may not be the case. You could end up losing
all your compensation.The reason for this is that when a solicitor
presents his final costs to the insurance company for settlement this
is not paid automatically. These costs are scrutinized and a high
proportion are challenged on the grounds of items being unreasonably
incurred such as barrister's/counsel's fees or the time spent on the
case is excessive.
So,not all the solicitor's costs may be paid by the insurance
company. In order to protect themselves your solicitor will hold onto
your compensation cheque which is usually paid out before their costs,
until they know what is to be paid by the insurance company for thier
costs. If there are any shortfalls they deduct this amount from your
compensation cheque. Needless to say there are times when the
compensation cheque is not enough to cover this shortfall in their
costs so the victim loses all their compensation and end up owing
solicitor's costs for their trouble. How unfair is that?
So knowing what you do how much is it worth to you to save your
compensation from the greedy hands of a solicitor. Your compensation
may be
