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      How much could your claim be worth?

      Have you been injured in an accident in the last 3 years?
      Did the accident happen in the UK?
      Have you suffered financial losses such as loss of earnings?
      Where were you injured?

      Amounts are based on government 'Guidelines for assessment of general damages in personal injury cases'

      • Neck & Back Injuries

        • Minor neck injuries

          Up to £7,890

          Where a full recovery takes place within a period of about one to two years.

        • Moderate neck injuries

          Up to £38,490

          Injuries such as fractures or dislocations which cause severe immediate symptoms and which may necessitate spinal fusion.

        • Severe neck injuries

          Up to £148,330

          Neck injury associated with incomplete paraplegia or resulting in permanent spastic quadriparesis.

        • Minor back injury

          Up to £12,510

          Where a full recovery or a recovery to nuisance level takes place without surgery within about two to five years.

        • Moderate back injury

          Up to £27,760

          Many frequently encountered injuries to the back such as disturbance of ligaments and muscles giving rise to backache, soft tissue injuries resulting in a prolonged acceleration and / or exacerbation of a pre-existing back condition.

        • Severe back injury

          Up to £160,980

          Cases of the most severe injury involving damage to the spinal cord and nerve roots, leading to a combination of very serious consequences not normally found in cases of back injury.

      • Head Injuries

        • Minor brain or head injury

          Up to £12,770

          In these cases brain damage, if any, will have been minimal. The bottom of the bracket will reflect full recovery within a few weeks.

        • Moderate brain damage

          Up to £219,070

          This category is distinguished from the moderately severe category by the fact that the degree of dependence is markedly lower.

        • Moderately severe brain damage

          Up to £282,010

          The insured person will be very seriously disabled. There will be substantial dependence on others and a need for constant professional and other care.

        • Very severe brain damage

          Up to £403,990

          In cases at the top of this bracket there may be some ability to follow basic commands, recovery of eye opening and return of sleep and waking patterns and postural reflex movement.

      • Shoulder Injuries

        • Minor shoulder injury

          Up to £7,890

          Soft tissue injury to your shoulder with considerable pain but almost complete recovery within one to two years.

        • Moderate - severe shoulder injury

          Up to £12,770

          Frozen shoulder with limitation of movement and discomfort with symptoms persisting for about two years. Also soft tissue injuries with more than minimal symptoms persisting after two years but not permanent. Often associated with neck injuries and involving damage to the brachial plexus resulting in significant disability.

        • Fracture of clavicle

          Up to £12,240

          The level of the award will depend on extent of fracture, level of disability, residual symptoms, and whether temporary or permanent, and whether union is anatomically displaced.

      • Eye Injuries

        • Minor eye injury

          Up to £8,730

          In this bracket fall cases of minor injuries, such as being struck in the eye, exposure to fumes including smoke, or being splashed by liquids, causing initial pain and some temporary interference with vision.

        • Complete loss of sight in one eye

          Up to £54,830

          This award takes account of some risk of sympathetic ophthalmia.

        • Total loss of one eye

          Up to £65,710

          The level of the award within the bracket will depend on age, psychiatric consequences, and cosmetic effect.

      • Hearing Loss

        • Partial hearing loss and/or tinnitus

          Up to £45,540

          This category covers the bulk of deafness cases which usually result from exposure to noise at work over a prolonged period.

        • Total loss of hearing in one ear

          Up to £45,540

          Cases will tend towards the higher end of the bracket where there are associated problems, such as tinnitus, dizziness or headaches.

        • Total deafness

          Up to £109,650

          The lower end of the bracket is appropriate for cases where there is no speech deficit or tinnitus. The higher end is appropriate for cases involving both of these.

      • Facial Injuries

        • Fractures of nose or nasal complex

          Up to £5,100

          (Displaced fracture where recovery is complete but only after surgery.)

        • Fractures of cheekbones

          Up to £15,780

          Serious Fractures requiring surgery but with lasting consequences such as paraesthesia in the cheeks or the lips or some element of disfigurement.

        • Fractures of jaws

          Up to £30,490

          Serious fracture with permanent consequences such as difficulty in opening the mouth or with eating or where there is paraesthesia in the area of the jaw.

        • Damage to teeth

          Up to £11,410

          Loss of or serious damage to several front teeth.

      • Arm Injuries

        • Loss of one arm

          Not less than £137,160

          Arm amputated at the shoulder.

        • Less severe injury arm injury

          Up to £39,170

          While there will have been significant disabilities, a substantial degree of recovery will have taken place or will be expected.

        • Simple fractures

          Up to £19,200

          Simple Fractures of the Forearm.

      • Elbow Injuries

        • Severe elbow injury

          Up to £54,830

          A Severely Disabling Injury.

        • Less severe injuries elbow injury

          Up to £32,010

          Injuries causing impairment of function but not involving major surgery or significant disability.

        • Moderate or minor injury elbow injury

          Up to £12,590

          Most elbow injuries fall into this category. They comprise simple fractures, tennis elbow syndrome and lacerations; i.e., those injuries which cause no permanent damage and do not result in any permanent impairment of function.

      • Wrist Injuries

        • Very minor wrist injuries

          Up to £4,740

          Undisplaced or minimal displaced fractures and soft tissue injuries necessitating application of plaster or bandage for a matter of weeks and a full or virtual recovery within up to 12 months or so.

        • Less severe injuries wrist injuries

          Up to £24,500

          Where these still result in some permanent disability as, for example, a degree of persisting pain and stiffness.

        • Severe wrist injuries

          Up to £59,860

          Injuries resulting in complete loss of function in the wrist, for example, where an arthrodesis has been performed.

      • Hand / Finger Injuries

        • Serious damage to both hands

          Up to £84,570

          Such injuries will have given rise to permanent cosmetic disability and significant loss of function.

        • Moderate hand injury

          Up to £13,280

          Crush injuries, penetrating wounds, soft tissue type and deep lacerations. The top of the bracket would be appropriate where surgery has failed and permanent disability remains. The bottom of the bracket would be appropriate for permanent but non-intrusive symptoms.

        • Severe hand injuries

          Up to £18,740

          Total Loss of Index Finger.

        • Severe hand injuries

          Up to £54,830

          Loss of Thumb.

      • Hip / Pelvis Injury

        • Severe hip / pelvis injury

          Up to £130,930

          Extensive fractures of the pelvis involving, for example, dislocation of a low back joint and a reputed bladder, or a hip injury resulting in spondylolisthesis of a low back joint with intolerable pain and necessitating spinal fusion.

        • Moderate hip / pelvis injury

          Up to £39,170

          Significant injury to the pelvis or hip but any permanent disability is not major and any future risk not great.

        • Lesser injuries hip / pelvis injury

          Up to £12,950

          Cases where despite significant injury there is little or no residual disability. Where there has been a complete recovery within two years, the award may but is unlikely to exceed the mid-point in the range.

      • Leg Injuries

        • Above-knee amputation of one leg

          Up to £137,470

          The award will depend upon such factors as the level of the amputation; the severity of any phantom pains; associated psychological problems; the success of any prosthetics; any side effects such as backache and the risk of developing osteoarthritis in the remaining joints of both lower limbs or in the hips and spine.

        • Severe leg injury

          Up to £54,830

          Serious compound or comminuted fractures or injuries to joints or ligaments resulting in instability, prolonged treatment, a lengthy period of non-weight-bearing, the near certainty that arthritis will ensue; extensive scarring. To justify an award within this bracket a combination of such features will generally be necessary.

        • Moderate leg injury

          Up to £27,760

          Fractures from which an incomplete recovery is made or serious soft tissue injuries.

        • Less severe leg injuries

          Up to £14,080

          Simple fracture of a femur with no damage to articular surfaces.

      • Knee Injuries

        • Severe knee injury

          Up to £96,210

          Serious knee injury where there has been disruption of the joint, the development of ostearthristis, gross ligamentous damage, lengthy treatment, considerable pain and loss of function, an arthroplasty or arthrodesis has taken place or is inevitable.

        • Moderate knee injury

          Up to £26,190

          Injuries involving dislocation, torn cartilage or meniscus which results in minor instability, wasting, weakness, or other mild future disability.

      • Ankle Injuries

        • Severe ankle injury

          Up to £50,060

          Injuries necessitating and extensive period of treatment and/or a lengthy period in plaster or where pins and plates have been inserted and there is significant residual disability in the form of ankle instability and severely limited ability to walk.

        • Moderate ankle injury

          Up to £26,590

          Fractures, ligamentous tears and the like which give rise to less serious disabilities such as difficulty in walking on uneven ground, difficulty standing or walking for long periods of time, awkwardness on stairs, irritation from metal plates and residual scarring.

        • Modest injuries ankle injury

          Up to £13,740

          The less serious, minor or undisplaced fractures, sprains and ligamentous injuries.

      • Toe Injuries

        • Severe toe injury

          In the region of £31,310

          Amputation of the Great Toe

        • Moderate toe injuries

          Up to £9,600

          These injuries include relatively straight forward fractures or the exacerbation of a pre-existing degenerative condition or laceration injuries to one or more toes.

      • Hair Damage

        • Hair / scalp injuries

          Up to £11,020

          Damage to hair in consequence of defective permanent waving, tinting, or the like, where the effects are dermatitis, eczema or tingling or 'burning' of the scalp causing dry, brittle hair, which breaks off and/or falls out, leading to distress, depression, embarrassment and loss of confidence, and inhibitating social life

        • Hair / scalp injuries

          Up to £9,600

          Less serious versions of the above where symptoms are fewer or only of a minor character; also, cases where hair has been pulled out leaving bald patches.

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