Claiming injury compensation from a friend or relative
If you are injured as a result of another person's actions or negligence, you may be entitled to claim compensation. But what happens if the other person is a friend or family member?
Claiming compensation for an injury caused by a stranger's negligence is not typically a dilemma. Claiming compensation against someone you know, however, is far more sensitive - especially if that person is a friend or member of the family.
There are no official statistics about the percentage of injuries that are caused by family or friends. It is believed that, more often than not, an injured person knows the person responsible for their injuries.
A matter of loyalty
You may have been injured in a car that a member of the family was driving recklessly? Perhaps you were attacked by a friend's dog? Maybe your child was injured when someone close to you was negligent when babysitting?
Making a financial claim against a friend or relative might seem disloyal. The injury might have occurred when that person was helping you out. A sense that 'accidents happen' combined with the awkwardness of adopting an adversarial position with someone you know could deter you from seeking redress.
When handled in the appropriate manner, however, making a claim does not need to be adversarial or uncomfortable.
What is the point of compensation?
The purpose of compensation is to try to put you back in a position you would have been in if your accident had not happened. Financial compensation can, of course, only go so far in terms of compensating you for an injury.
It may be that your injuries have resulted in pain, suffering, and loss of amenity. Perhaps you will be unable to work for a period. You may require expensive medical treatments and ongoing care. It could be that the injury will have a lifelong impact on a child.
Your primary concern should be your healthy recovery. You should afford yourself every possibility of getting the best care and reducing any associated worries the accident may cause, such as financial concerns for you and your dependents.
Financial compensation is not a matter of opportunistically 'cashing in' on your misfortune. Compensation is calculated, often to the penny, to cover your needs after an injury.
Discuss the matter with your friend or relative first
You may face a painful and distressing short-term injury, leading to financial hardship if you need to take time off work. If your injury is more serious, you may be unable to work again and require a degree of full-time care.
In all probability, your friend or relative will feel a sense of guilt and want to do everything they can to help. Having an open and frank discussion may be cathartic for both of you - helping to clear the air.
If the person understands how the injury will affect you they will understand that compensation can help you move forwards.
Who would pay my compensation?
In most cases, a claim would be made against an insurance company, rather than the person who caused the accident.
The two most common types of insurance held by private individuals are car insurance, which covers road traffic accidents, and home insurance which may cover accidents on or away from the property.
Most car, home, landlord, and tenant policies, include cover for injuries sustained by someone who, for example, falls as a result of a broken step in the garden.
Road traffic accidents
The majority of accidents involving friends and family members are road traffic accidents.
It is common for parents or siblings to be driving a car carrying family members as passengers when a collision occurs.
The insurance company of the negligent driver will settle claims made by the other driver and their passengers. The insurer would also expect to settle your claim, as a blameless passenger.
Injury claims involving family members are not limited to road accidents. Other accidents include slips, trips or falls on the friend or family member's property, dog bites from a family member's dog, burns, scalds, and food poisoning.
Injury claims following such accidents can, in some cases, be more complex to pursue. For more information regarding your options, speak to a specialist injury solicitor at the earliest opportunity.
Discussing your options with a solicitor
Personal injury solicitors are well versed in discussing the sensibilities of claiming compensation against someone close. This is often the first question asked by a potential claimant.
As part of a free consultation, your solicitor will address any concerns you might have and offer advice on how to approach a difficult situation.
Your solicitor will offer specific advice, depending on the context of the injury and what the likely insurance situation will be.
An exploratory chat with a solicitor will be in the strictest confidence. You won't be under any pressure and you will be under no obligation to make a claim if you don't feel comfortable.
What if a child was injured?
If the injured person was under 18 when the accident occurred, it is possible to make a personal injury claim. Children will need a litigation friend (parent, guardian or sister or brother aged over 18) to provide manage the claim on the child's behalf.
If a parent is a defendant in the case, he or she cannot act as a litigation friend for their son or daughter. The court would regard this as a conflict of interest. The second parent, grandparent, or other family members could act as the litigation friend.
Caring and sensitive support
Your solicitor will handle your injury claim from the initial consultation through to the financial settlement. In addition, your solicitor will work with other specialists to help you with:
- Financial support: interim payments while you are unable to work.
- Advice: on personal injury trusts, tax and welfare benefits.
- Coordination: with rehabilitation providers and therapists.
- Access: to treatment and therapies not always available on the NHS.
Who pays for this specialist help?
The cost of treatment will be factored into your compensation settlement paid by the defendant or their insurance company. Should you require private treatment before the case settles, an interim payment to cover treatment costs may be possible.
How did your injury occur?
The claims process that your solicitor follows will vary, depending on how the injury occurred:
No win, no fee, no risk
With a no win, no fee agreement (known as a 'Conditional Fee Agreement' or 'CFA') you can make an injury claim without having to pay upfront legal fees. If your injury claim is unsuccessful you won't have to pay any money to your solicitor.
No win, no fee promise
Our no win, no fee guarantee means there is zero financial risk in making an injury claim - even if you don't win your claim. Read more about making a No win, no fee claim
What do I pay if I win my injury claim?
Your injury solicitor will receive a success fee which is deducted from your compensation, after your compensation is awarded. The solicitor's success fee can be up to 25%. Your solicitor will agree a success fee with you before you start your claim.
What do I pay if I do not win my injury claim?
If your injury claim is not successful then you do not have to pay any legal fees at all. Your solicitor may take out insurance to ensure there will be nothing to pay.
How can Quittance help?
Your solicitor will fight for the best possible compensation settlement for you, and the highly-experienced panel of solicitors have an excellent track record of winning injury claims.
If you have any questions, or would like to start a No Win No Fee claim, we are open 8am to 9pm weekdays, 9am to 6pm on Saturday, and 9.30am to 5pm on Sunday.
Call us FREE 0800 376 1001 or arrange a callback:
if you can claim
to start a claim
Can I claim for someone else?
Yes. In certain circumstances, it is possible to claim compensation on behalf of another person in the capacity of a 'litigation friend'.
If an injured person is either too young or vulnerable, too injured or otherwise unable to claim on their own behalf, their litigation friend can handle the claim process on behalf of the injured person.
The litigation friend will be responsible for communicating with the solicitors, and for making decisions in respect of the claim.
Can I claim if I was partly responsible for an accident?
You may still be able to claim compensation even if you contributed to your accident or to your injuries.
However, if you were partly to blame (known as contributory negligence), your compensation may be reduced and it may be more difficult to prove liability.
How long do I have to make an injury claim?
In general, you have a time limit of up to 3 years from the date of the injury to make an injury claim.
The last date you can make a claim is known as the claim limitation date - after which your injury claim becomes 'statute barred'.
Can I claim for an injury after 3 years?
Possibly. The general rule for adults is that a claim must be started within three years.
However, the three-year countdown starts on the day you learned of your injury or illness. This will usually be the date of the accident, but could be the date your doctor gave you a diagnosis.
If you were injured as a child, you do have up until your 21st birthday to make a claim.
There other circumstances that can also impact the limitation date. Call us now on 0800 376 1001 to find out if you are still able to claim injury compensation.
In reality, there are a number of factors that can affect whether an injury claim will be taken on by a solicitor.
Will I have to go to court?
Highly unlikely. The vast majority of claims that are settled by the solicitor panel are settled out of court.
Only a very small percentage (approx. 5%) of personal injury claims go to court. Generally, only very complex cases, or those where liability cannot be resolved, end up in court.
Cases that do ultimately go to court are held in front of a judge, not a jury.
Will I have to go to a solicitor's office?
No. You will not need visit a solicitor's office. As with most professional services, it is no longer necessary to meet face to face with your solicitor. Personal injury claims are dealt with via email, post and telephone.
Should you need to have a medical, this will be arranged at a medical centre near you or at your GP's surgery.
Can I get an early compensation payment?
If you suffer financial hardship as a result of an injury, you may be able to claim an interim compensation payment.
An interim payment is a partial settlement of your claim which is paid before your claim is concluded. The amount you receive in interim payments would then be deducted from your final compensation settlement or award.