Next year there are changes coming that will affect the way insurance companies deal with claims arising from road traffic accidents.
These changes are coming from the Civil Liability Bill and will ultimately mean that claimants will receive less compensation for their injuries. The Civil Liability Bill aims to change how typical whiplash claims are dealt with, and the result will be that compensation will be reduced to such low levels that should you wish to claim compensation for whiplash, you are unlikely to be able to get a solicitor to act for you.
In addition, the Government intends to increase the small claims limit to £5000. In practice this means that even if you could get a solicitor to act for you, you would not be able to cover your legal costs – even further reducing the chances of getting a solicitor to act. These changes will restrict access to justice for many people suffering injuries in road traffic accidents.
For example, an individual suffering a 4-6 month whiplash injury would attract a compensation award of up to £2250 this year. Next year when the changes are in place, this would only attract an award of up to £470. For this reason, if you have had an accident in the last 3 years that was not your fault and you suffered injury, we strongly recommend that you contact us for initial legal advice so that if you are entitled to compensation, you can claim this before the changes come in.
Claims involving children and those who are vulnerable in some manner will be exempt from the changes, but the majority of other individuals will be affected by the changes.