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Injury Due to Heavy Lifting

May 8th, 2011

Many people find themselves performing heavy lifting in the workplace regardless of their job role. For those who didn’t expect to be performing any heavy lifting the risk of suffering an injury increases significantly and this is usually due to poor lifting technique. Without the proper technique heavy lifting can be very dangerous for anyone.

Heavy lifting is one of the biggest causes of accidents in the UK and every year there are nearly 3,500 injuries caused by heavy lifting in the workplace alone, most caused by poor heavy lifting technique and lack of training. Back and spinal injuries are the most common injuries caused by heavy lifting and serious damage can lead to permanent pain and injury.

Serious back injuries are very difficult to deal with and back injuries that develop into permanent problems caused by a bent spine or slipped disc can be life changing. Treating back injuries can be very difficult as operations can be very complicated and many medical professionals advise against this as they could worsen the injury.

Any injury caused by heavy lifting, whether it is a complicated back injury, muscle and tendon damage, or broken limbs, can be very expensive to treat. There are very high medical treatment costs involved with treating back injuries and as most people are unable to work when they develop a back injury, adding to their financial implications and problems.

It is the responsibility of the employer to provide adequate training and safety precautions when asking an employee to perform any heavy lifting tasks as they have a significant duty of care. The employer must make a risk assessment whenever heavy lifting is required and provide the correct training. The employer has a duty of care to ensure employees are kept safe during working hours and failure to do this will make them liable for the injury and medical costs involved.

Find out more about claiming compensation such as Back Injury Compensation and Spinal Injury Compensation.


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Know The Details When You Get A Loan, Or You Might Be Shocked When Filing PPI Claims

May 7th, 2011

Payment Protection Insurance, or PPI, is a type of insurance consumers can obtain to safeguard the repayment of a loan. It is also referred to as income protection insurance. PPI claims can be made if you have lost your job due to redundancy, had an accident or become disabled. It will cover your loan payment for you for a specified time.

There is a predetermined period of time you must be out of work or disabled, usually one to six months, before the policy will begin paying for you. It then makes your payments for up to a year.

PPI is offered when you obtain revolving credit or mortgages. Some lenders hint that you must take out the insurance to get the loan, but this is not the case. It is an optional type of insurance that you are not required to purchase. Some lenders will only offer low interest rates if you choose to buy it.

Consumers have found that the costs for PPI have been included in the cost of the loan, something they did not agree to. Know what you are paying for and ask to see the loan repayment plan. Compare it with and without PPI so you will know exactly what the costs for the PPI are. If it is worked into the loan, you will end up paying interest on the PPI costs.

One of the more controversial aspects of this type of insurance is that, since agents receive commissions for policies, they use hard-sell or deceptive tactics to encourage applicants to purchase it. In many cases the policy has no real value for the customer.

They do not cover all types of unemployment, usually only if you lose your job for redundancy. Self-employed people gain no benefits from this type of policy, and can actually be required to obtain a part-time job. Medical conditions deemed pre-existing are not covered. Those families with dual incomes or substantial savings may not need this type of program at all.

There are some products worth looking into. Stand-alone insurance that can be tailored to meet your specific needs may be more affordable and actually provide coverage that is worthwhile.

There are some concerns that consumers have been mislead by lenders. If you believe you have purchased insurance that you did not want or were not aware of, there is recourse for you. You may be able to recoup what you have paid in under false pretenses. When refinancing a loan, check to see whether the costs for PPI from the first loan are included in the costs of the refinanced loan. This is called churning, and is illegal.

When obtaining PPI, read the fine print to make sure you know what you are buying. If you wait until you submit PPI claims, you may find that one of the exclusions keeps you from receiving the benefits you believed you paid for. Look at your whole financial status before you decide to buy PPI.

Do you feel that you’ve been misled by your lender? Get comprehensive info on Mis Sold PPI claims now in our super guide to everything you need to know about how to use PPI Claims Calculator


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Claiming Compensation against a Friend

May 1st, 2011

Every year many people have accidents that are the result of a friend’s negligence. Many of these accidents can result in a serious injury, however the majority of people don’t want to lose a friend and so suffer silently. While these people don’t want to lose a friend or blame them for their accident, it is important to remember that claiming compensation helps to cover medical costs that may have occurred as a result of the accident.

The majority of accidents that happen as a result of a friend’s negligence are road traffic accidents. Many people will suffer a serious injury as a result of a crash in a friend’s car, making their friend legally at fault. If the victim has to take time off work that is unpaid while trying to cover medical expenses they can run into financial problems quickly.

The compensation generally won’t be made against the friend personally; their insurance should cover the expenses and damages that the injury has caused. While their insurance premium will increase it is important to understand that when suffering an injury, the victim shouldn’t suffer if financial problems if it wasn’t their fault.

When driving passengers a driver has a duty of care to drive safely. If a driver does not take care when on the road they may be negligent and liable for damages and expenses incurred by the passengers. This liability is why compensation should be claimed as a victim of accident shouldn’t suffer the consequences for another person’s actions.

When a person is affected by an accident that isn’t their fault it is important to seek legal advice as soon as possible. Many people fear losing a friend when they are seeking compensation but it is essential to remember that facing medical fees and loss of earnings as a result of another person’s mistake isn’t fair.

Find out more about claiming compensation such as Whiplash Compensation and Broken Leg Compensation for your needs.


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Suffering an Injury as a Result of a Faulty Product

April 28th, 2011

When buying a product and finding out that it is faulty a consumer is going to be annoyed, however when a product is faulty and represents a significant danger, they could be seriously injured. Electrical items in particular can become very dangerous when faulty as electrical charge may pass through them. The same can be said about cars that have faulty parts.

When buying a product from a trader, the consumer enters into a contract with implied terms that are backed up by Government legislation. The Sales of Goods Act has been designed to protect consumers from sellers whose products are faulty or unfit for purpose. Thanks to the implied terms the government is successfully protecting consumer rights.

The legislation created by the government requires that all products that are sold to a consumer must meet the description under which it was sold and is fit for the purpose for which it was created. The product must also be of satisfactory quality. If a product doesn’t meet these standards than a consumer will have the right to return it and receive a refund where possible.

When a product is faulty and it causes injury or damage then the manufacturer and seller may be liable for more than just a refund. Manufacturers have a duty of care to ensure all products are safe to use when released to consumers and if the product is faulty or the instructions explain use of the product in a way which causes danger to the consumer they may be liable for damages.

When a consumer has an accident or injury caused by a faulty product it is important for them to seek legal advice as soon as possible. They are entitled to make a claim against the manufacturer and may be able to receive damages in some cases. The amount of compensation rewarded will be based on the severity of the injury and any financial loss that is involved. Keeping the product in question as evidence will also help when processing the claim.

Find out more about claiming compensation for injuries caused by faulty products such as Facial Scarring Compensation and Soft Tissue Injury Compensation.


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Compensation From Motorcycle Accidents

November 2nd, 2010

The process of making a motorcycle accident claim is a simple process, which mirrors that of making a claim for a car accident, however there are certain circumstances in which you may be eligible to make a claim – which should always be done through a specialist with experience of dealing with motorcycle accident claims.

If you have been injured, or your vehicle written off or damaged by an accident which was the fault of another road user, you will most likely be eligible to make a claim. This may be the result of being hit from behind by another road user or by someone else pulling out of a side road, cutting across your path or going into the side of you. These examples are typical of the most common road scenarios that cause motorcycle accidents.

You can also claim if you were a passenger either on the motorcycle or a passenger of the other vehicle. Under these circumstances, the claims process may be a delicate one, since you could be claiming, in all possibility, on the policy of a friend or relative – particularly if there are adjudged to be at fault for the accident which caused you injury. There also could be ground for a claim against an “at fault” party who caused your accident in an attempt to avoid a collision with another (third) party on the road.

It’s not just road users that can be the cause of motorcycle accidents – road surfaces such as pot holes, for example, can cause damage to motorcycles (and considerable damage to the rider) than they do to cars. This is compounded if the pot hole has caused a rider to lose balance and therefore control of the bike while riding over it. In this instance, the claim would be made against the local authority charged with maintaining the road surface.

If you have been involved in a motorcycle accident, you should always seek the advice of an experienced motorbike claims specialist – they are best placed to resolve these claims.

Motorbike accident claims are made when someone is the victim of somebody else’s carelessness


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Accidents In Hospitals

October 25th, 2010

A trip to hospital is expected to promote recovery, so it is understandable to feel angry when you leave hospital with a worse injury than you went in with.

Slips trips and falls, accidents from faulty equipment, food poisoning, and accidents while travelling in an ambulance are some of the most common recorded hospital accidents. Hospital infections, though less common, can have a devastating impact.

Hospital infections are a major player in the litigation industry since their recent increase. Infection from MRSA, C Difficile and other Superbugs are more likely to affect hospital patients whose immune system is weakened and which can be potentially very harmful to the elderly or the sick. MRSA is a bacterium which causes skin infections and is usually contracted by people on a drip if hygiene measures are not followed strictly.

Although MRSA is cited on the death certificates of more than 1,000 people every year, with thousands more left severely ill or disabled by the infection, lawyers have found it hard to prove hospital responsibility to receive compensation.

Hospitals are obligated to protect its visitors and ensure that accidents are avoided at all possible chances. This is a requirement in all public places, not just hospitals.

An expert accident solicitor will know if you are entitled to compensation and how likely your claim is to proceed. They should be provided with as much evidence as possible, including the analysis of a qualified medical professional on the extent of your injury. Your solicitor should also be able to take you through the accident claims process and represent you should the claim be disputed and have to be taken to court.

accidents in hospitals can result in you being rewarded with compensation. medical negligence compensation liverpool can be sought via EAD.


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Tattoo And Piercing Claims

October 24th, 2010

Tattoos and body piercings are not a 21st century phenomenon; they have been practiced for centuries worldwide. The reasons for doing so are as diverse as the cultures they come from.

The scarcity of historical records does not prevent a rich history of tattoos and piercings from being unearthed. Grave goods and ancient remains hold vital clues. Important evidence such as the 5,300 year old mummified remains of Otzi the Iceman reveals that ancient peoples used tattoos for medical reasons. The mummy, which was unearthed in the Alps, was found to have around 57 carbon tattoos, one of which was a distinct cruciform mark behind one of his knees. Tattooing was extremely common in some early tribes, for example mummies discovered in tombs in Egypt were also found to have tattoos.

Just one of the reasons early peoples decorated their bodies was for its presumed magical or healing properties. Some believed that a metal ear piercing would prevent evil demons from entering a person through the ear, hence perhaps why the oldest mummified remains to have been discovered contained earrings requiring holes as big as 11 mm in the lobe.

Despite their historical trials, tattooing and piercing is still not a completely safe process. Infectious diseases such as hepatitis B and C can be transmitted through dirty needles. Allergic reactions can cause a tattoo to become red or disfigured. An extreme allergic reaction caused the death of an American woman after she developed severe anaphylactic shock to black henna ink.

Infected piercings can irrevocably damage the skin and surrounding tissue. As well as hepatitis, there is a risk of tetanus and staphylococcal infections if piercings occur in unsanitary conditions. Other dangers include collapse of the cartilage in ears and noses after piercing, and damage to the nerves can affect taste and speech in tongue piercings. An American study reported that 17% of college students with a piercing suffered a medical complication such as infection or tearing as a result.

compensation services can help you in a situation like this. compensation payouts vary on he situation and injury.


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What Is A PPI Claim

October 21st, 2010

There have been lots of adverts on TV and in the Newspapers recently by many different companies offering PPI Claims. These companies are offering to claim back a form of insurance that you have paid on a loan, mortgage or credit card that you have been mis sold – but how simple is it?

Basically, if you have taken out a loan in the last 6 years, you probably have grounds to make a claim, some PPI claims can go back as far as 10 years ago!

Payment protection insurance (PPI) is added to loans to help protect you against being unable to make the payments. It was all sorts of banks and lenders that added this insurance onto loans and it was actually added onto some mortgages.

Why can you claim it back? There are many reasons that PPI claims are successful, one of the biggest causes of a mis sold payment protection insurance claim is the fact that many loans had these policies included without asking the customer properly, adding on thousands to the cost of the loan!

You can visit a solicitor who can represent you and help you claim back your Payment Protection Insurance. However solicitors usually charge an hourly rate and this can become very expensive very quickly. The other option is is ask a claims company to represent you and get back the money that is rightfully yours. You should look at registering a claim as soon as possible.

Of course there is nothing stopping you from making a PPI claim yourself. It is important to be aware that the process can take time, banks will always deny liability and and the process can be complicated. Banks will sometimes try and take advantage of customers managing their own claims by offering settlements that on the surface seem like a large amount but in reality are only worth about 30% or 40% of the actual value of the claim – you have been warned! Hiring a Claims company on a no win no fee basis means that you don’t have to deal with any of the administration and can just wait for your compensation.

Gladstone Brookes are the largest PPI Claims company based in the UK. They handle over 4000 PPI Reclaims a month and regularly consult with industry regulators.


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Mis Sold PPI – What Is It And How Does It Affect You

September 25th, 2010

PPI is short for Payment Protection Insurance. This type of insurance is supposed to guard those people who take out loans, mortgages & credit cards in case they are unable to make their monthly payments. The main reasons for not being able to make payments are being made unemployed, or becoming ill and being forced to stop work whilst you recuperate. PPI is supposed to cover payments will only cover repayments in certain circumstances so it is important that the policy is suited to each customer’s individual circumstances.

There are various different ways that PPI is being mis sold by banks and lenders in the UK. Adding PPI into loans withoout asking if the customer wants it is extremely common in the UK, there are many cases of banks telling their customers they have to take out PPI because they have dangerous professions or they are considered a credit risk.

Up to 40% of a loan can be written off with a successful PPI claim – along with this the borrower is usually entitled to 8% interest per annum and any interest made on repayments.

The cost of the PPI scandal is huge, with banks making 5.5Billion a year profit out of misselling PPI to their customers on loans and credit cards in the last 10 years.

One of the many examples of being mis sold PPI is if you have a pre existing medical condition such as Diabetes or Eplilepsy. If you are made unemployed or are off sick due to a pre existing condition your policy will not pay out. Self-employed people are usually excluded as well. If your bank didn’t check this with you then you have been mis sold.

If you are one of the thousands of people who have had a PPI mis sold then you could be in line for a payout worth thousands of pounds and get your money back.

PPI Claims Unique version for reprint here: Mis Sold PPI – What Is It And How Does It Affect You.


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Does Legal Aid Have A Future?

September 16th, 2010

The British Law Society announced plans to launch a judicial review over plans the Legal Services Commission introduced in August to change the way family law contracts are tendered. The new regulations will mean a huge change to how the family court system is funded and will have a big effect on the many people who have in the past used legal aid to help fund their legal expenses. The same people will now find it much more of a struggle to get financial help should they need it again.

The Legal Services Commission and other legal practitioners were left shocked at the outcome of the new tender process rules. It has been estimated that around 1100 firms were unable to manage to secure new contracts leaving just 1300 firms to cover the rest of the country. This is a marked contrast with what happened when similar changes occurred in the criminal law sector, very few problems were reported after the changes took effect there.

The LAG understands that the law society has come under a huge amount of pressure from the firms that successfully attempted to stop the changes occurring nut the law society have maintained that they have a public duty to act fairly. The worry is now that the new regulations will have a detrimental effect on those who had formerly relied upon legal aid in order to cover their fees.

The LAG has suggested that in certain areas of the country some clients will now be forced to travel long distances in order to find a solicitor that they can use. The reduction in the number of firms providing tender by legal aid poses risks to the public and the ability of the public to be able to afford proper legal cover. This has the potential to raise problems where cases of domestic abuse and child protection are concerned.

Only when the first batch of appeals are resolved will the true effect of the change be shown. The British legal system is bracing itself until then.

For no win no fee solicitors choose whatsmyclaim worth. We have a range of no win no fee compensation routes available.


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