How Personal Injury Claims Are Calculated?

By: admin | Date: 2020-09-02

When you get into an accident, you can make personal injury claims if the fault was not yours. But you may be wondering, what will you be getting when after going through the hassling procedure of making a claim. A lot of people are confused about what the money they may be getting after making a claim. There are a lot of types of personal injury claims including a road accident claim, accident at work claim, slips, trips and falls, medical negligence, and whiplash injury claim, etc.

It is always a better idea to know about the money you will be getting after personal injury claims. But calculating personal injury claims compensation is not as easy as it seems to be. There are a lot of factors that come into play when it comes to calculating personal injury claims. It is important to take care of every factor so that you can maximise this amount of compensation. So, let us take a look at how your amount of compensation is calculated and what does the adjusters take into account while calculating it.

How Personal Injury Claims Are Calculated?

Typically, your amount of compensation depends on the seriousness of your injury and the damages caused by the collision. It implies that the more severe an injury is, the more amount of compensation you will be entitled to get. For example, you will get more compensation for severe brain injuries as compared to a soft tissue injury. But there are a lot of other factors that are very helpful in maximising the amount of compensation. It is always a better idea to hire a claims expert to get the optimum amount of compensation.

Here are a few factors that play a key role in the calculation of your personal injury claims.

1) General Damages

General damages refer to the pains and sufferings of the victims of an accident. These damages provide compensation for the injuries. In Scotland, people know general damages by the name of ‘Solatium’. It actually refers to the price list that is used as a reference to estimate the amount of compensation. But these figures are not accurate. Your compensation always depends on the severity of your injuries and some other factors.

Let us take a look at some of the examples of general damages.

  • Head Injuries: Head injuries typically entitle a victim for the compensation that no other injuries do. Even if you are suffering from minor head or brain injuries you may be entitled to get £3,000 to £6,000. But if the case is severe, you may be getting up to £20,000 for it.
  • Upper Body Injuries: Upper body includes the area around the shoulders. If you had a minor injury, you can get £4,000 to £6,000 but serious cases even accounted for £10,000.
  • Back Injuries: Back injuries can be excruciating. Besides that, you may be at a higher risk of getting a spinal cord injury when suffering from a back injury. That is why you may be getting compensation anywhere between £6,000 to £20,000 for such injuries.
  • Lower Body Injuries: Any injuries below your hips are included in lower-body injuries. If the injuries are minor and the recovery time is not too long, you may get £3,000 and £10,000. While in a case of permanent disability, you may be entitled to get £25,000.

2) Loss of Earning

When you get into an accident, it takes time to heal properly. Some injuries heal faster while others take time. No matter what the situation is, you cannot go to work for at least some weeks and months. This case is referred to as a loss of earnings as your source of income has been affected by the accident. But luckily, your compensation covers this amount. All types of personal injury claims include the loss of earnings. All you have to do is just provide sufficient proof for the time you were not working. You also have to provide an estimated amount you could have earned during this time.


Accidents do not only have an impact on your physical health. But they also affect you mentally. There may be a lot of after-effects of the accident still haunting you. It is referred to as a PTSD. PTSD stands for Post Traumatic Stress Disorder. A lot of people go through PTSD after any type of an accident they have received injuries in. When calculating personal injury claims, PTSD is also taken into account the amount of compensation is also added to it. So you can get your PTSD claims.

4) Out of Pocket Expenses

When making a personal injury claim, there are a lot of expenses you have to bear besides the fee of your claims specialist. These expenses include travelling expenses and some other expenses. In a nutshell, any type of expenses you bore during the claims process are categorised as out of pocket expenses. When making a claim, you have to provide proper evidence for your expenses in the form of travelling tickets etc. These documents prove your out of pocket expenses and add up in your total amount of compensation.

5) Loss of Support

Loss of support refers to the situation in which the victims lose their financial supporter in an accident. If this happens, the heirs of the one who died can claim compensation from the person at fault. This situation is known as a loss of support. You only have to prove that you were financially dependent on the person who died to get your amount of compensation.

How Helpful Do Accident Claim Services UK Citizens Find?

There is no legal compulsion of hiring any accident claims services to get your amount of compensation. But some accident claims can be difficult to handle such as an accident at work claim. People often do not know what to do after an accident at work. If this happens, you may make a blunder and lose your rightful amount of compensation.

That is why people have been hiring accident claims services in the UK to get their claims. They find these services to be very helpful as they can get their amount of compensation without even going out of their home. Besides that, injury claim experts help to maximise the number of personal injury claims using their years of experience in the field.

    Personal Injury Claims Are Calculated
    CALL US: 0330 223 5110