Medical Compensation and Personal Injury Claims

Unfortunately, there are many people who have been hurt or mistreated as the result of somebody else’s actions. If you have been the victim in either of those situations, it is likely you’re eligible to make a medical compensation or personal injury claim.

Making a personal injury claims or medical compensation claim is considered to be a tough and long process; however with the use of a law firm (First45lawyers), the entire process will seem less daunting. Whether you wish to make a claim for medical compensation or a personal injury claim, having a brief discussion with your solicitor is an important step to making your claim.

In most cases, making a claim against a medical establishment or a medical professional is harder than a standard person injury claim. Some law firms will try and discourage you to pursue such a case, however talking to solicitors specialized in medical negligence claims can quickly boost your confidence.  Before making a medical compensation claim, it is highly suggested you make an internal complaint to the medical institution in question before taking it to court.

Personal injury claims are much easier to pursue; however they still involve a lot of work from you and your solicitor. Whilst talking with your solicitor, it is crucial you provide your solicitor with as much information as possible. This will help your solicitor in strengthening your chances of making a successful compensation claim.

By visiting the First45Lawyers website, you can quickly get in touch with the appropriate solicitor, who will then guide you through the first steps in making your claim. There are lots of people are cautious about making a claim because of the costs involved, however if you truly believe you deserve compensation, then it is highly likely your claim for compensation will be successful.

What is SR22 Insurance?

If you are looking on information about SR22 Insurance, then sit down comfortably and keep reading, because this is the article you have been looking for. Here we will tell you all the basic information you need to know about SR22 insurance policy. First, we are going to explain what exactly SR22 insurance really is. Then, we will get into the reasons that may take you to obtain such a policy. Finally, we will explain the different forms the SR22 certificate can adopt. After reading this article, you will know everything you need in order to choose an insurance company and buy the SR22 insurance policy that best suits your needs.

What exactly is SR22 Insurance?

If you are asking this question, it is probably because somebody told you to buy such insurance, or because you have heard it mentioned for the first time. To begin with, please notice that SR22 is not a type of insurance. Actually, it is the name of a particular form that insurance companies offer filings for. The SR22 Insurance is the proof for the department of Motor Vehicles that you are now in compliance with the state’s minimum requirements for Auto insurance.

Why would I need SR22 Insurance?

This kind of form is required after a driver has been cited for driving without the minimum required coverage. Governments require some mandatory insurance for protecting the interest of those who may get hurt (or may have their valuable property damaged) in an accident involving a motor vehicle. However, some people drive without the required insurance and then get involved in traffic violations, such as speeding tickets, excessive accumulation of points on one’s driver’s license, driving under the influence, etc. In such case, their license gets suspended or even revoked in a certain state. If that was your case, you will need an SR22 insurance policy to get your license back. Consider that its average cost depends on the reason why your license was suspended or revoke for in the first place: was it your first offense? Was there an accident? Was anyone injured?

Who should get an SR22 Insurance policy?

This is not a silly question. The fact is you don’t need to own a car to buy this kind of policy. In fact, the SR22 certificate is issued in one of the following forms: Operator’s Certificate (which covers the motorist in the operation of any non-owned vehicle), Owner’s Certificate (which covers vehicles owned by the driver) and Operators-Owners Certificate (which covers all vehicles owned or non-owned by the driver). So,  if you usually borrow someone else’s car, you should consider buying a policy for yourself to avoid problems later.

We have told you what exactly a SR22 Insurance is, why would you need it in the first place, and why you should consider buying it, even if you don’t own a car. Now you can find out which insurance company is more convenient to you according to your financial situation and the legislation in your state of residence.

Legal Protection

Often with car insurance policies you can pay a bit extra for legal protection. Many people do not even realise that this is something they can opt in and out of and they pay the extra for it without really realising what it means. It can add between ten and fifty pounds on to a policy and so it is a significant amount of money, but what does it actually do for you?

If you have an accident that is not your fault there may be damage to your vehicle that your insurance does not cover. The legal protection will cover the cost of the solicitor so that you can make a claim from the other driver to get compensation to cover the cost of this uninsured damage. The sorts of things that will not be covered by car insurance include compensation for death or injury, the excess, costs of repair if you do not have comprehensive cover, damage to items in the car if you insurance does not cover it, costs of a hire car and loss of earnings.

Some of these things can be covered in a comprehensive insurance anyway and so this may mean that it is not worth taking out this extra insurance. There are also legal companies that do not charge fees and so it is possible to get a solicitor without paying in advance if you need to make a claim for personal injury or death. Damage to personal possessions may be covered in your home insurance.

It is worth weighing up all the pros and cons, thinking about what you are already covered for in your policy and what additional pluses there are from taking out the legal protection. Think about the cost and whether it is worth paying for the peace of mind or whether it is something that you would rather leave and risk.

If you have savings then you can probably afford to take more risks because if you do have expenses to cover then you can find the money to pay for them. However, if you have no savings then you may not manage to pay any costs involved if you have an accident and so it could be better to pay the extra money so that you get all of the financial help you need if necessary.

No Claims Discount

A no claims discount is a reduction that drivers can get on car insurance if they have no made a claim. It is often on a sliding scale with more savings to be made depending on how many years the driver has not made a claim for. If you make a claim then normally you will lose that no claims discount, however some circumstances may be exempt such as vandalism , broken windscreen or accidents which were not your fault and you were able to claim on the other drivers insurance.

It is possible to take your no claims discount with you when you move insurance companies which means that you can benefit from a discount even with a new insurer.

If you do have an accident you may not be able to keep your no claims bonus even if it was not your fault. It depends on whether you have had to make a claim on your own insurance. If it was a theft, fire or hit and run then it is unlikely to be possible to find out who did it and claim on their insurance.

You can pay extra to protect your no claims bonus should you have an accident This means that although your premium will go up as a result of the accident, you will not have to lose the percentage discount that you get form the no claims bonus. It is questionable as to whether it is worth paying for this or not and probably depends on whether you will make significant savings or not if your no claims is saved. The longer you have been without making a claim, the better the discount you will receive and the more worthwhile it will be to protect it. It is something worth thinking about, comparing quotes for and then deciding whether or not it is worth it for you to take out.

Guaranteed Asset Protection Insurance

If you have a car which you are paying for using a loan or any other finance agreement then guaranteed asset protection insurance could be a good option for you. This is a type of insurance which will pay out more or in a different way to standard insurance.

Cars lose value all of the time, they just lose value with age but also their condition is likely to deteriorate and they will lose value that way as well. If you have bought the car with a loan, you may get in to the situation where the car value is actually less than what you still owe on the loan. This could be because the interest on the loan is so high, because the car was expensive when you bought it or just because the value has dropped so much.

This means that if the car is written off in an accident, you may not get enough money paid back to you to pay off the loan, however this type of insurance will make sure that you do. It may also be used to help you to buy a car with equivalent value to the one that you lost or cover the deposit on a new car.

Many people assume that if they have a car written off then they will be able to get a good one in replacement but it is likely that you will only be able to get the current value of the car rather than what it was worth when you paid for it and it could mean that you do not have enough money to buy something as good as what you lost.

No one likes to think about the possibility of their car being written off but it is always good to be prepared for such a circumstance and plan for it happening by either having a good insurance in place or having some savings to help cover the expense.

Life insurance details so important

Life insurance is undoubtedly one of the most important insurances sold for the families who have to make a claim on it, and despite being the insurance policy no one wants to ever have to claim on, the benefits it brings can be so important to a family’s finances.

Life insurance is sold to those with financial responsibilities, whether that be young children, a mortgage, or that the person is the main earner in the family and that without them the family would be unable to continue living comfortably.

The policy will pay out in the event of the death of that customer and the money can be used to pay off a mortgage, help raise children financially, or in many cases, both.

The problem with life insurance is that throughout the lifetime of a policy, the customers circumstances will often change, and this could be just getting married, to something as important as having a child. It’s also important to notify the insurance company if you are diagnosed with a serious illness.

Each change however can massively affect what sort of cover you need, and how the insurance policy pays out. Someone with an extra child for example may need to increase their life insurance payout, to account for the fact that the child will cost tens of thousands of pounds over its lifetime, money that could be impossible to come by if the customer was no longer around to earn the money.

Whilst many policies are taken out at the same time as the first mortgage, it’s important to notify the insurance company every time you move house or remortgage your home, as this could affect your policy.

In a worst case scenario, some families find that when the family have tried to make a claim when the customer dies, they have been unable to because details have not been updated and the insurance policy is no longer valid.