If you are making a personal injury claim, you can recover the financial losses you have incurred. However, it is necessary to prove these losses.
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To make a personal injury claim, call us on 0333 009 6275. We are available to take your call 24 hours a day, 7 days a week.
Losses in a personal injury claim
You can recover different types of financial loss when making a personal injury claim. These include –
- Past loss of earnings
- Future loss of earnings
- Medical treatment
- Travel expenses
- Care and assistance
- Damaged possessions
The way in which you prove each loss differs.
Loss of earnings
For your past loss of earnings, you can show your payslips from before and after the accident. This shows the disparity of income received. Further proof can also be obtained in a letter from your employer. If you are self-employed, past tax returns and profit/loss accounts can be used instead.
Calculating your future loss of earnings is a little more complicated. If your injuries are so serious that you cannot return to work, it is necessary to assess how much you would have earned, taking into consideration any potential promotions. Your solicitor can do the mathematics for you.
Medical and travel expenses
With respect to medical treatment and travel expenses, you should keep a record of your losses. Also, keep receipts where possible. Therefore, if you need physiotherapy because of your injuries, be sure to ask for a receipt after each session. If you need to take the bus to attend treatment, write down the dates and the exact cost.
Care, assistance and adaptations
Your injuries may be such that you require care and/or assistance around the house. This might be provided by a loved one, or you may use a professional. To recover these costs, it is necessary to obtain a medical report stating that care and assistance are required. Even if you do not pay, you can recover damages for the time loved one’s have spent helping you.
A report by an occupational therapist may also recommend adaptations to your home to enhance your quality of life. For instance, you may benefit from a specially adapted bathroom. If so, these estimated costs can form part of your claim.
If your personal possessions were damaged during the accident, do not throw them away. Instead, keep them for inspection. If this is not applicable, take photographs instead. It is also useful if you can find the original receipts so you can prove their value. If your car is damaged, you need to provide receipts of the repair work or policy excess.
What do you need to do?
When you make a personal injury claim, your solicitor will tell you exactly what you need to do to prove your losses. The most important thing is to record your losses with as much detail as possible. You should start doing this straight away – even if you have not yet instructed a personal injury solicitor to make a claim.
Otherwise, it is your solicitor’s duty to obtain the evidence and calculate your losses. This will be set out in a document called a Schedule of Loss. You may be asked to provide certain documents to aid this schedule, such as your payslips and receipts. However, you can rest assured that your solicitor will do the hard work for you.
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To speak to our personal injury solicitors, call us on 0333 009 6275. We are available to take your call 24 hours a day, 7 days a week.