Frequently Asked Questions

What does 'No Win No Fee' really mean?
‘No win no fee’ means that if you do not win your claim, you do not have to pay your solicitor a fee. Insurance will cover you against the other side's costs and expenses. If you win your case you will receive 100% of your compensation and your solicitor's costs are to be paid by the other side. There are very few exceptions to this and our specialist independent solicitors will assess whether your case is suitable for a ‘no win no fee’ agreement. They will also explain the ‘no win no fee’ agreement to you clearly before you start a claim.

What injuries can I claim for?
You do not have to have sustained a serious injury to be entitled to compensation. You are entitled, in law, to be compensated for any injury arising out of a non-fault accident which you sustain. This can include cuts, bruises or soft tissue injuries (whiplash). As long as your compensation is more than a £1,000, most solicitors will accept your case.

Is there a time limit for submitting a claim for personal injuries?
There is a statutory time limit of three years from the date of the accident, or from the date of knowledge of injury. A claim can be submitted at any time during this period, however with clinical negligence cases, a claim needs to be made as soon as possible and no later than two and half years, to allow time for the case to be investigated.

How long will it take to settle a claim for personal injuries?
This will largely depend on the nature of the injury. Straightforward injuries should be resolved and settled within a twelve month period. Clinical negligence cases can take longer, especially where expert opinion is needed.

Do I need to have reported my RTA (road traffic accident) injuries to my GP or a hospital?
It can be beneficial to have a written record of the injuries, either from your GP or a hospital, but this is not essential. If you have not visited your GP or hospital it should not prevent you from presenting a personal injury claim, however it can be useful evidence in building and supporting your claim.

How can I be legally represented without incurring legal costs?
Your appointed specialist solicitor will enter into a Conditional Fee Agreement (CFA) with you in relation to their legal costs and an insurance policy will be issued to protect you against any other potential costs. If you are successful in your claim, all of your legal costs will be paid by the responsible third party, including the cost of your insurance premium. If, for any reason, you are unsuccessful in your claim, then the insurance policy will cover you in relation to all costs.

Who funds the insurance premium and disbursements on the case?
The cost of the insurance premium and disbursements will be funded by your appointed specialist solicitor. Disbursements usually include medical reports, assessors’ fees and court fees.

Is there a cost for funding?
Funding will be provided for the insurance premium and disbursements by your appointed specialist solicitor.

What cover does the insurance policy provide?
If your case is unsuccessful, the insurance policy covers you for any liability in respect of legal costs, disbursements and the cost of the insurance premium.

Can I be compensated for losses other than injuries?
You are entitled to recover any loss which you incur as a result of an accident, including damaged clothing, expenses and loss of earnings.

Will I have to visit a solicitor's office?
You will not be inconvenienced or expected to attend the offices of our appointed specialist solicitor. He/she will instruct an assessor upon receipt of instructions who, if necessary, will arrange a confidential home visit at your convenience.

What is the procedure for submitting a claim?
Simply complete a claim form online now and submit it. Alternatively, call 0845 644 5135, or request a call back.