Porsche destroyed in head on crash
Discussion
On Saturday afternoon I left home and got half a mile down the road when a white bmw came at high speed round a blind bend completely on my side of the road and hit me head on. I was going slowly thankfully and suffered 4 broken ribs,punctured lung,severley bruised , scraped legs and whiplash as I was trapped in car and had to be removed by fire brigade with hydraulic rams etc.
After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
stichill99 said:
On Saturday afternoon I left home and got half a mile down the road when a white bmw came at high speed round a blind bend completely on my side of the road and hit me head on. I was going slowly thankfully and suffered 4 broken ribs,punctured lung,severley bruised , scraped legs and whiplash as I was trapped in car and had to be removed by fire brigade with hydraulic rams etc.
After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
Have they admittedly liability?After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
stichill99 said:
I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
It wouldn't surprise me if the insurer for this will expect/require you to recover from other at fault parties if possible. Assuming UK based the NHS can also claim some costs (Weird rules which both limit the amounts and restrict them to claiming amounts covered by insurance).It is probably worth talking to the injury at work insurer as they might provide solicitors etc for this as part of cover...
My parents were involved in a bad non-fault crash last year when a car pulled out from behind a lorry on a NSL road directly in front of them.
They were pretty banged up, particularly my mother. The injuries part of the claim is still ongoing, partly deliberately I think as it takes time for long term consequences to become clear.
The other driver, did a runner (back to his caravan) but was insured. His insurer has never heard of him, but they are dealing with the claim. Probably. Their own insurer has paid out for the car.
Basically this is going to take time...
They were pretty banged up, particularly my mother. The injuries part of the claim is still ongoing, partly deliberately I think as it takes time for long term consequences to become clear.
The other driver, did a runner (back to his caravan) but was insured. His insurer has never heard of him, but they are dealing with the claim. Probably. Their own insurer has paid out for the car.
Basically this is going to take time...
SydneyBridge said:
Yes you can claim for any loss of earnings, tough to prove if self-employed
Not if record keeping is good. Regarding injury's, these can manifest many years after the accident, and you will probably be offered settlements with stipulations that you may not re-open a claim.
My work insurance is with a different company to car which was with a classic specialist! I was thinking of getting an independent solicitor to claim for my loss of earnings.. I am a farmer and I am coming up to silage time but have been told not to drive tractor until ribs fully sorted so will need to hire in a contractor at greater expense than if I had been able to do the job myself so wanted to claim all the added costs I am going to have over the next 6 weeks.
stichill99 said:
On Saturday afternoon I left home and got half a mile down the road when a white bmw came at high speed round a blind bend completely on my side of the road and hit me head on. I was going slowly thankfully and suffered 4 broken ribs,punctured lung,severley bruised , scraped legs and whiplash as I was trapped in car and had to be removed by fire brigade with hydraulic rams etc.
After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
If Police are charging him, he can't really deny fault.After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
Presuming you are going to claim injury via insurance you can claim loss of earning through the same solicitor.
reggie747 said:
SydneyBridge said:
tough to prove if self-employed
Not at all, just rock up and show them your books...That set of accounts includes their turnover and profit, both numbers then go on the tax return.
A certified copy of the submitted tax return (SA302) is what every self-employed mortgage applicant has to provide to the finance people.
stichill99 said:
On Saturday afternoon I left home and got half a mile down the road when a white bmw came at high speed round a blind bend completely on my side of the road and hit me head on. I was going slowly thankfully and suffered 4 broken ribs,punctured lung,severley bruised , scraped legs and whiplash as I was trapped in car and had to be removed by fire brigade with hydraulic rams etc.
After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
This is the sort of case solicitors have wet dreams about! As the police have charged him, liability won't be in issue, and it's just a matter of how much compo you are entitled to.After 3 days in hospital I had recovered enough to be allowed home but am now wondering as I am self employed and unable to work if I should get a solicitor to claim for my loss of income .When I last spoke to police they mentioned about it. I presume the claim would me be made against the bmw drivers insurance company? Car was on agreed value insurance so presume that is all in order. I do have my own personal injury at work which will pay me £400 a week but nothing to cover my lost income etc. Any good advice gratefully received.
So yes, you need a solicitor to handle the claim. There are literally thousands of them who will snatch your hand off for such an easy case on a no win no fee basis.
But beware! Most solicitors who do this type of work will want to deduct a `success fee' of 25% of your compo, theoretically to compensate them for the risk of losing. But in a slam dunk case like there there is no risk, so get a solicitor who will handle the claim without a success fee.
Compensation in such a case will be in the tens of thousands, so 25% is a chunky amount, and worth avoiding if you can (which you can).
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