Personal Injury Law Blogs

Clinical negligence legal blog: Williams v Bermuda Hospitals Board – “material contribution” & causation

The facts

Mr Williams attended A&E complaining of abdominal pain. A scan was ordered but there was a negligent delay before the scan was undertaken. It transpired that Mr Williams was suffering from appendicitis and required urgent surgery to remove his appendix.

During the surgery it was discovered that Mr Williams’ appendix had ruptured and there was a large accumulation of pus which led to damage to his heart and lungs.

The trial judge found that as a result of the hospital’s negligence Mr Williams’ operation had been carried out at least 2 hours and 20 minutes later than it should have been.

However, the trial judge found for the hospital on the basis that Mr Williams had failed to prove that the complications were most probably caused by the delay in treatment. In other words, Mr Williams had failed to prove that his outcome would have been different if the surgery had been carried out earlier.

The Court of Appeal of Bermuda overturned the decision on the basis that the delay in treatment had “materially contributed” to the injuries which Mr Williams sustained.

The hospital board appealed. However, the Privy Council rejected the appeal, finding that the Court of Appeal had been entitled to conclude that the complications were the “product of a steadily worsening accumulation of sepsis over several hours, which was caused in part by the negligence of the hospital board”.

On the balance of probabilities the delay of at least 2 hours and 20 minutes “materially contributed to the process, and therefore materially contributed to the injury to the heart”.

“Material contribution” – a different approach to causation?

The usual approach to the issue of causation is to identify the effective cause of the injury by the application of the “but for” test i.e. would the Claimant’s injury have occurred “but for” the Defendant’s breach of duty?

However, in the case of Bailey v Ministry of Defence [2008] the Court of Appeal held that in certain circumstances the “but for” test is modified and the usual approach does not apply.

In this case Mrs Bailey was operated on for a gallstone problem. Following that operation there was a lack of adequate care. She also developed an acute pancreatitis but this was not as a consequence of substandard care. A few days after the operation Mrs Bailey was in a weakened state, partly as a result of the lack of care and partly due to the pancreatitis. In that weakened state Mrs Bailey aspirated her own vomit which led to a cardiac arrest and which in turn caused her to suffer hypoxic brain damage.

The trial judge had identified 2 causes of the Claimant’s weakened state namely the lack of care and the pancreatitis but was unable to say which had made the greater overall contribution. What he did find was that each contributed materially to Mrs Bailey’s overall weakness and he therefore found for Mrs Bailey on the basis that it was sufficient for the Defendant’s negligence to have “materially contributed” to Mrs Bailey’s weakened state and it was that weakened state which had subsequently caused her to aspirate on her own vomit (in turn leading to the cardiac arrest and brain damage).

The Court of Appeal upheld the trial judge’s findings on the basis that “where medical science cannot establish the probability that “but for” an act of negligence the injury would not have happened but can establish that the contribution of the negligence was more than negligible, the “but for” test is modified and the Claimant will succeed”.

The Privy Council in Williams has essentially supported the Court of Appeal decision in Bailey and significantly it seems extended the application of “material contribution” to cases not only involving those where the Defendant’s negligence has materially contributed to the cause of the actual injury sustained (i.e. the weakness in Bailey which ultimately resulted in Mrs Bailey’s brain injury) but those where the negligence has materially contributed to the injury itself (i.e. the damage to Mr Williams’ heart and lungs caused by the steadily worsening accumulation of sepsis which went on for at least 2 hours and 20 minutes longer than it should have).

“Divisible” and “indivisible” injury

The law in this area (as in other areas) distinguishes between injuries which are “divisible” and “indivisible”.

Although it was not made explicit it would seem that the Privy Counsel in Williams found that the injury sustained by Mr Williams was “indivisible” i.e. it was not possible to distinguish the extent of the injury which Mr Williams would have sustained in any event from that which resulted as a direct consequence of the 2 hours and 20 minute delay in his operation being carried out.

In these circumstances, provided that it can be established that the Defendant’s negligence “materially contributed” to the cause of the injury then the Defendant will be liable in full.

Contrast this with injuries which are found to be “divisible”. The case of Tahir v Haringey Health Authority [1998] provides a good example. The trial judge found that there was a negligent delay of 3 hours in the treatment of a 15 year old boy who had a spinal abscess which resulted in some permanent paralysis. However, the Claimant had not adduced any evidence as to what his outcome would have been in these circumstances (his case was that the period of negligent delay was 24 hours and that his injuries would have been avoided in their entirety) and so the Court of Appeal overturned the trial judges decision that the delay had caused £4,000 worth of damage. However, the Court of Appeal clearly accepted that the hospital would only have been liable for such proportion of the injury as was caused by the negligent delay.

The importance of the Tahir decision is that where in a clinical medical negligence case part of the damage occurs before the negligence starts to cause damage, and part after that, the Defendant is not liable for the whole of the injury sustained (providing that the Court is satisfied that the injury truly is “divisible”).

Conclusions to be drawn

The decision in Williams will potentially have implications for many kinds of clinical negligence claims including cases involving birth injuries and delayed diagnosis of an illness such as cancer.

For example, let’s assume that in a birth injury case it is established that it was mandatory to have delivered a baby by 12:00 instead of 12:05 as in fact happened. However, even if delivered at 12:00 some damage might have been sustained in any event but it is not possible to say how much. In other words, the damage sustained as a result of the negligent delay was that in the 5 minute period between 12:00 and 12:05. Any damage sustained prior to this time was not caused by any negligence.

In light of the Privy Council’s decision in Williams it strikes me that providing the evidence can establish that the negligent period of delay caused some (or all) of the cerebral palsy (i.e. that it made a “material contribution” to the adverse outcome) then the claim will succeed and damages awarded for all of the losses suffered. The injury in these circumstances is “indivisible”.

However, if the evidence establishes that delivery at 12:00 would have resulted in damage to the cognitive functions but none yet to mobility functions it would be open to the Defendant to argue that the Claimant was entitled to damages relating to his mobility dysfunction but not for losses associated with his cognitive difficulties. In these circumstances that Claimant would not be entitled to recover the full value of the claim and would only be compensated for the additional injury caused by the negligent delay. In these circumstances the injury is “divisible”.

It would therefore appear that the distinction between “divisible” and “indivisible” injury in this complex area of law will be crucial in determining the extent of a Defendant’s responsibility to compensate a Claimant for the injuries sustained.

At Work in the Laboratory – States Differ on How to Deal With the Negligence of the Plaintiff

Justice Brandeis wrote in New State Ice Co. v. Lieberman, that a “state may, if its citizens choose, serve as a laboratory ; and try novel social and economic experiments without risk to the rest of the country.” 285 U.S. 262 (1932).   Each State has its own tort system. At work in each tort system is how each State has decided how to deal with civil wrongs.  Even more fundamental to each is how each state deals with the concept of how allocate fault and value human life.

A survey of the nation shows that the majority of State’s have adopted a type of system known as Modified Comparative Fault.   This system is generally viewed as the middle of the road method tort system. Under this system, the negligence of both the Plaintiff and the Defendant are determined by the finder of fact and then compared against each other. The general rule being that if the Plaintiff is less negligent than the Defendant, the Plaintiff would be allowed to recover. A reduction of the entire amount of the award is made from the percentage of fault attributable to the Plaintiff.   This method is viewed as being fair to a Plaintiff who can still recover if they are partially at fault and fair to the Defendant who does not have to pay for an injury that is more greatly blamed on the Plaintiff. The criticism of this method comes when there are multiple parties who may be at fault for the injury to the Plaintiff. A decision needs to be made as to how to compare the Plaintiff’s fault to that of the various Defendant’s. The issue of joint and several liability also causes concern that needs to be addressed. The question needs to be answered just how much responsibility must the Defendant have for the injury before they joint and severally liable for the entire amount due to the Plaintiff.

South Dakota takes a different approach to dealing with comparative fault. The State works under a slight/gross rule. If a Plaintiff’s negligence is more than slight, they may not recover. One the other hand, in order for the Plaintiff to recover the negligence of the Defendant must be more than gross. South Dakota is the only state to work under this system. South Dakota still requires a jury to allocate fault between the parties. A jury determination of more than 30% is considered to be more than slight as a matter of law. See Wood v. City of Crooks, 1997 SD 20, 559 N.W.2d 558, 559 (1997).

A minority of states have adopted systems at the extreme ends of the fault system. Thirteen states have adopted Pure Comparative Fault System. This system allows a damaged party to recover even if they are 99% at fault. The recovery of the party is reduced by the percentage of fault allocated to the injured party. This system is criticized because it allows for an injured person who for the greater part hurt themselves to recover. On the other hand, the Pure Contributory Fault System goes to the other extreme. Under this system, an injured person cannot recover even if they are 1% at fault. This system is criticized for being too harsh on the injured party. An injured person can be denied compensation even for the slightest reason.

As you can see from above, each state makes a choice how to handle fault that causes injury. No system is perfect and through legislation and caselaw the system are constantly being tweaked and modified to address the issues of the current day.  All of the above systems have certain rules particular to the state. For example, in Wisconsin a child cannot be contributorily negligent if under the age of 7. Wis. Stat. 891.44 Each state may have exceptions as to when it applies its fault system to different types of claims and causes of actions. An additional issue that must be addressed is when the negligence system overlaps with a strict liability system. The strict liability system is often found with dog bites or with products liability cases. In these scenarios, a court must make a reasoned determination regarding the interplay of complex rules regarding the allocation of responsibility.

A couple of examples might show the difference of the systems. A car driver (A) is proceeding down a road in the country going 60 mph in a 55 mph zone.   A semi-driver (B) goes through a stop sign on an adjoining road and strikes the car of (A) and severely injures him. A jury assesses fault at 90% on (B) and 10% on (A). Under both the Modified Comparative Fault and Pure Comparative Fault systems, (A) would recover 90% of the damage figure awarded. Under the pure contributory fault system, (A) would receive no damages at all. In another scenario, take the same situation and this time the (B) is the person who is badly injured. In a Modified Comparative Fault or Pure Contributory Fault State, (B) would receive nothing. However, in a Pure Comparative Fault State (B) would still have a viable claim. The total damages that (B) is awarded would be reduced by 90%.

Another issue that underlies the allocation of fault is the principle of subrogation. Each state must also develop its own method of how to deal with parties who pay medical expenses for an injured person and have a right either by statute or contract to recover. Once again these decisions begin to be complex based upon the allocation of fault and each state’s rules with respect to subrogation.

Whether a case is a good case worth putting much time and effort into or simply passing on can turn simply on the location of injury. A plaintiff’s lawyer who has a choice of venue in a personal injury case is wise to research the laws of the various venues where they have a choice to sue out the case. The lawyer’s decision can make or break a case for the plaintiff.

You can also follow the firm of Herrick & Hart on Twitter at @wisconsinpilaw, on LinkedIn at www.linkedin.com/company/herrick-&-hart , and on Google+ at plus.google.com/+HerrickHartSCEauClaire/about. The website of the firm is http://www.eauclairelaw.com/

Interested in Medical Negligence Law in the UK?

Interested in medical negligence law in the UK? Caroline Moore of www.medical-solicitors.com (on Twitter here) has recently been tweeting useful legal info via #law11sies – worth following this feed on Twitter and checking out their useful guides.

Also worth reading this guide from mind.org.uk, Unlock The Law’s guide to medical negligence law in Scotland here. in England here, and our own feed of medical negligence legal blogs here. See also the short guide to dental negligence in Scotland here.

Know of any other outstanding legal guides to medical negligence law in the UK or elsewhere? Get in touch.

 

 

 

The Government’s proposal to increase small claims limit from £1,000 to £5,000: what does it mean?

Outlined in the Autumn Statement, Chancellor Osborne announced plans to increase the small claims limit for personal injury claims from £1,000 to £5,000. If these changes go ahead, it will obstruct whiplash victims in claiming the compensation they are legally entitled to. At the moment, if you are involved in a non-fault road traffic accident and suffer whiplash as a result, you can easily seek legal representation to assist you in claiming your compensation. If the new changes come into effect claimants will be forced to represent themselves, which means they would have to cover all of their own legal costs to take their case to court.

When you become a victim of a road traffic accident, the current small claims limit of £1,000 means that you are able to obtain representation from a solicitor to support you in claiming your whiplash compensation. If the limit rises to £5,000, most standard whiplash claims will no longer fall under the ‘small claims’ threshold, which means that legal representatives won’t be able to recover their legal costs from the other side. This will result in solicitors being unlikely to take on these types of claims. Consequentially, most road traffic accident victims will be left without the ability to obtain legal representation to pursue a claim for compensation which they’re justly entitled to.

Since the proposal was announced in the Autumn Statement, there seems to be a definitive divide in whether the changes will be of benefit or hindrance to the general public. On one hand they are being told they can save money on insurance premiums, but on the other hand, their access to justice and legal representation will be restricted should they find themselves victims of a non-fault road traffic accident.

In his speech to the House of Commons Chancellor Osborne said: ‘We’re going to bring forward reforms to the compensation culture around minor motor-accident injuries. This will remove over £1bn from the cost of providing motor insurance…so motorists see an average saving of £40-£50 per year off their insurance bills.’

Why have these changes been proposed?

The changes have been proposed in a bid to crack down on the fraudulent claim culture typically associated with whiplash claims. The government alleges that the changes could reduce motor insurance policies by an average of £40 to £50 annually, saving the motor insurance industry £1bn a year.

While this is great news for insurance companies and their customers, there isn’t yet any clear evidence to support these statements and there hasn’t been any explanation to determine how the rights of genuinely injured victims will be protected. Promises regarding reduced motor insurance policies is something that we’ve heard in the past but are yet to see materialise.

What does this mean for personal injury victims?

If the small claims limit rises to £5,000, it will obstruct access to justice for many genuine personal injury victims. Although the government has outlined some of the potential benefits to the changes, it unfortunately means that genuine whiplash sufferers will be limited in obtaining legal representation in claiming for compensation they are rightly owed if injured in an accident that wasn’t their fault.

What the professionals said

For the change:

Huw Evans, director general of the Association of British Insurers, said: ‘This is a significant breakthrough in tackling the compensation culture and is good news for motorists.’

A spokesman for Aviva said: ‘These measures will directly address motor fraud like crash for cash, reduce the volume of nuisance calls, remove costly lawyers from the process and save motorists more than 10% on their premium.’

Stephen Gaywood, the AA’s director of counter-fraud said: ‘By giving successful personal injury claimants care such as physiotherapy, which compensation is supposed to pay for, those out to make a fast buck from an injury claim that may not have happened, will immediately be discouraged.’

Against the change:

Jonathan Wheeler, the president of APIL (Association of Personal Injury Lawyers) said: ‘In 2012 the insurance industry promised the Government that if reforms to the way whiplash claims are handled were introduced, savings would be passed on to motorists through their premiums. All that has changed since then is that the insurance industry has failed to live up to its own promises. Since 2012 the portal [a streamlined system for dealing with personal injury claims] has been extended, medical reporting for whiplash claims has been completely overhauled, sharing of fraud data has been introduced and solicitors fees have been slashed. Government figures show whiplash claims have fallen by more than a third in the past four years. Yet still insurance premiums have increased.

‘Only two years ago the Government ruled out increasing the small claims court limit because there were no adequate safeguards to protect genuine claimants. There are still no adequate safeguards. If the small claims court limit is raised to £5,000 all that will happen is that genuine victims of injury will not be able to afford the legal help they need to bring genuine claims and there will be an epidemic of cold calling from claims management companies as they rush to take advantage of vulnerable people who won’t be able to afford legal representation. We need to remember that these are people who have been needlessly injured by the negligence of others. Removing the right to damages for pain and suffering would show a callous indifference to the suffering of people who were needlessly injured by the negligence of others.’

Law Society President Jonathan Smithers said: ‘[The proposals] will completely undermine the right of ordinary citizens to receive full and proper compensation from those that have injured them through negligence.

‘These proposals will stop people obtaining legal advice for all personal injury claims below £5,000 and stop people claiming for often debilitating injuries arising from road traffic accidents if these injuries are considered minor.’

A petition has been set up calling upon the Government to review the proposed changes; if you think that the small claims limit should remain at £1,000 you can show your support here.

Weather Warning: How does bad weather affect road traffic accident claims?

As the weather worsens, the risk of being involved in a road traffic accident increases. Driving on winter roads can be challenging, and as such drivers must exercise a greater level of caution and skill than is usually required of them. However, regardless of how careful drivers are, unforeseen weather conditions such as black ice, fog or being caught in snowfall can result in an accident – but how does this affect driver’s liability in relation to other road users? Can the local council be held responsible for failing to grit the roads? This post looks as the determination of liability and negligence in adverse weather road traffic accident claims.

Assessing Negligence in Bad Weather Claims

Drivers have a legal obligation to drive safely, including making assessments about road conditions. When driving under extreme weather conditions, it is important that drivers take extra care, or they may be acting negligently. When roads are wet or icy, drivers should drive below the speed limit, leave extra space for other drivers and make sure their car is made suitable for driving in such weather. Drivers may face negligence claims where they:

  • Fail to adjust their driving for weather conditions (driving too quickly, for example)
  • Overly rely on vehicle safety features such as four-wheel drive
  • Fail to prepare their car in poor weather conditions. Such as driving with windows frosted over, restricting their view of the road.

However, even when all caution has been exercised by the driver accidents still do happen. In these circumstances, however, it may still be possible to make a claim for compensation against the local authority.

Legal Obligations of Local Authorities

The local authority is responsible for ensuring ‘safe passage’ along highways so far as is reasonably practicable. The law is set out in the Highways Act 1980, and the definition of highways under the act includes roads and public footpaths.

However, the obligation on local authorities is not particularly onerous. Local authorities are limited in resources and can only respond to inclement weather conditions as they receive relevant information. This means that authorities will firstly focus on gritting main roads and walkways, and even then they can only do so after the icy weather has been reported to them.

This is outlined in Section 58 of the Highways Act 1980, which gives local authorities a defence against many claims brought against them relating to snow and ice on the roads. Section 58 outlines that authorities are only under an obligation to attend to what is reasonably practicable, and thus their lack of resources means that it is not practicable (nor in all likelihood possible) to clear and grit every road and walkway. This means that personal injury cases against local authorities involving ice or snow are often difficult to pursue.

Obligations of Individuals

Another interesting aspect of personal injury claims arising from poor weather conditions is that where an injury is sustained on private land, or where private occupiers clear public pathways in an unsatisfactory way – both could result in a successful personal injury claim.

Where a private occupier takes to clearing a public pathway and their actions are negligent, if these actions result in an accident they could face a personal injury claim. For example, if a person pours hot water on a pathway in the hopes of melting the ice or snow, and this, in fact, makes the pathway more slippery, the individual may find themselves liable for compensation if an accident occurs as a result.

Furthermore, under the Occupiers Liability Act 1984, it is the responsibility of the occupier to take reasonable care of those visiting their land. While it is simple to warn guests of dangerous ice on your property, this liability extends to those such as the postman or another delivery person. This means that occupiers are under an obligation to take reasonable care to ensure their land is safe for those that may be required.

Need a personal injury legal opinion? Get in touch here.

A Cyclist’s Guide to Personal Injury Compensation

cycling-accident-claims-lawMore and more people are taking to the pedals to get around. It is important for all new cyclists to know their rights on the roads and fully understand what to do if they are ever unfortunately caught up in a collision, so that they can get back on the roads as soon as possible.

Our comprehensive guide looks at the main three stages of a road traffic accident and the necessary action you should take as a cyclist, so that you to know how to effectively handle the situation.

  1. At the scene of the accident

There are several actions to take immediately after a collision:

  • Move to a safe spot, out of the way of any traffic and other cyclists
  • Ask for help from passers-by and those who may have witnessed the accident
  • Phone the police or ambulance if you are injured or suspect you are being given false details by the driver

Seeking medical attention and removing yourself from further danger are of the greatest importance. Following on from this, you should ask the driver for their details.

Make sure to note down:

  • The driver’s name and address
  • The owner of the vehicle’s name and address
  • The make, model, colour and registration number of the car involved
  • Their insurance company and level of cover

When the police arrive, stay calm and remain co-operative. Remember this is your opportunity to give them your side of the story. Once you have finished, note down the officer’s name and the case reference number.

If possible, also take the names and contact details of any witnesses. Hand this information on to the police but keep a copy for yourself. Then, try to take photographs of the scene and your bike. If you have already asked someone for help they may be able to assist with this.

Finally, take your bike and any other damaged property with you. Do not attempt to fix any of your equipment; you will eventually need to use your broken bike to get a cost estimate of the damage for your claim, if you wish to make one.

  1. Seek medical attention

Once all the details of the accident have been taken, go to hospital or your GP surgery, depending on the severity of your injury and the medical help that you need.

Ask the attending doctor to take detailed notes of your injury. It is also important to photograph your injuries at their worst, straight after the accident or while you are being treated if possible.

Even if you do not feel that you need medical attention, visit a surgery for confirmation and so your details are logged. If you do chose to make a claim, this will be vital to helping you gain compensation.

  1. After the accident

If you do not call the police by the side of the road and you have been injured, it is legally required that you report the collision.

Keep a diary and write down everything that happened before, during and after the accident, while it is still fresh in your mind. Make sure to jot down:

  • What happened
  • Where it happened
  • When it happened
  • Road conditions
  • Weather conditions
  • Traffic flow

If you believe the collision was not your fault, then you have three years in which to make a claim at court. If you do choose to progress with seeking compensation, it is recommended that you use a solicitor experienced in cycling accident claims.

Also, it is important not to communicate with insurance companies before speaking to a personal injury lawyer. Insurers will often try to offer compensation early on in the claims process, where the amount offered is typically low and does not take into consideration the ordeal and expenses accrued. A cycling personal injury specialist will investigate the accident and ensure that you are properly compensated.

Experiencing a cycling accident can be extremely traumatic and have a detrimental effect on your quality of life. Following these steps above will help you on your way to claiming the compensation that you deserve and stop you from incurring any extra costs at the fault of a careless driver.

Based in the North West, solicitors Slater Heelis are experts in handling cycling accident cases. The team have helped many cyclists claim the compensation that they deserve, giving them the opportunity to get back on their bikes and cycling on the roads once more.

Trampoline Owners Warned About Onerous Duty of Care

trampoline-injury-claims-edinburgh-manchester-london-lawsDirect Line have warned trampoline owners that they could be faced with a bill of up to £100,000 if a child is injured whilst playing on their property. The insurer has claimed that they frequently settle in and out of court for personal injury compensation claims of over £20,000 as a result of trampoline, bouncy castle or climbing frame accidents.

There has been a significant rise in recent years of both trampoline accidents and also parents calling their lawyers when their children are injured playing on a trampoline at a friend’s house or at a children party.

A recent study indicated that around 11,000 children are taken to accident and emergency units each year as a result of a trampoline or bouncy castle accident, and compensation claims for such accidents can attract between £20,000 – £100,000. Such claims could force many parents to sell their family home to meet such pay-outs where they are not adequately insured.

What is interesting from a legal perspective is the standard of duty of care in such cases. Whilst many parents would assume that children were not properly supervised, which would amount to negligence, research shows that it is often not the case. Research conducted by Direct Line shows that in 4 out of 5 cases children were properly supervised when their accident took place. Spokesman for the Royal Society for the Prevention of Accidents suggest trampolines said: ‘If you have a lot of people on the trampoline and they crash into each other you can get concussions and some nasty fractures. We also know if you have a safety net, parents tend to get complacent about safety and that’s when you get more horseplay and serious incidents.’

What will be taken into account when assessing duty of care?

Any person who owns a trampoline or who hires or rents a trampoline for an event either in a public or private space owes a duty of care towards those using the equipment. Under this duty of care trampoline enthusiasts are required to:

  • Make sure that users of the trampoline they are responsible for are in the requisite physical and mental condition for trampoline use
  • Warn or ‘train’ trampoline users appropriately
  • Supervise users of the trampoline adequately
  • Set up the trampoline in a suitable location
  • Have a first aider on location
  • Use a safety net

Trampoline owners are also required to observe reasonable foreseeability, which will be determined by the judge but may include things such as children becoming boisterous or play-fighting on the trampoline.

Failure to meet these standards could result in a costly lawsuit, however this standard of duty of care appears to be very restrictive on this who simply want to have a trampoline in their garden for their children to play.

Trampoline Injury Claims Edinburgh, Manchester, London & Across the the UK

Have you or someone you know been affected by a trampoline injury? Or as the owner of premises with trampolines, do you need to defend an action against you? Get in touch to ask us more about the relevant laws here.

Trampoline image via flickr

UK patients keep a stiff upper lip over medical negligence

“First, do no harm”: this famous phrase is at the heart of what it means to be a doctor. But what happens when a doctor does do harm due to medical negligence?  Recent research has found that too many UK patients are keeping a stiff upper lip when it comes to injuries inflicted by medical negligence.

Medical negligence is the breach of the duty of care that doctors and specialists have for us. We place a huge amount of trust in our doctors and medical specialists, sometimes literally putting our lives in their hands, but if things go wrong, we are disturbingly reluctant to come forward.

Recent in-depth research carried out by Patient Claim Line confirmed that a worrying number of British people would rather soldier on in pain than cause a fuss by making a legal claim for injuries sustained through medical negligence.  Of the 1000 UK families and 200 Medical Negligence clients surveyed, 44% reported they would put off taking legal action for fear of ‘making a fuss’.

This trend is worrying, considering the profound impact that medical negligence can have on people’s lives. The research demonstrates that 41% of people injured have a reduced earning potential as a result of injuries caused by medical negligence and a full 54% of these injuries have a potentially lifelong impact. Patient Claim’s research also finds that 61% of people who were injured by clinical negligence suffer constant pain.

Given the severe impact of medical negligence, it is surprising that 64% of people wait over one year before seeking legal help.  However, it is important not to wait.  The more time that goes by, the harder exact dates and events become to recall, and those impacted may well suffer needlessly for longer. It’s worth rocking the boat to receive justice for a wrong done.

A medical negligence claim can be made in many areas of medicine, including nursing and dental care.  In fact, the kinds of persistent injuries resulting from clinical negligence are as varied as the range of doctors and specialists that can cause them.  The top three most common injuries were internal injuries, internal pain and knee injuries.

Who were the medical practitioners most frequently responsible for injury?     Unsurprisingly, specialist consultants, who perform the most complex procedures, were responsible for 30% of injuries.  Surgeons also made up 30% of those responsible. GPs caused 18% of injuries, 6% were done by nurses and 16% by other medical staff.

So what changes peoples’ minds to give them the strength to start a medical negligence claim?  For many, it is the desire to prevent others suffering the same difficulties they have faced.  55% of medical negligence claimants stated that they wanted to prevent injury to others.

Not many go it alone. Medical negligence is a complex area of law with its own specialist knowledge, so most people engage a professional law firm to assist.  Many people need the encouragement of others.  64% of people confide their concerns about medical negligence to their friends, who stand behind them in the legal battle.  Only 32% tell their families, perhaps wanting to spare them pain.  14% of people claiming for medical negligence injuries are persuaded to do so by a medical professional.

All the above findings point to one direction: when people suffer, they tend to do it on their own.

Turning a negative situation into a positive one can be as simple as speaking with family and friends or seeking professional help. If you’re going through something similar this might seem like a difficult step but most likely you will feel better, get rewarded and help others at the same time.

No Gimmicks, no free iPads, no annoying texts, just great legal advice – regulated solicitors winning the battle against those annoying claims companies

No Gimmicks, no free iPads, no annoying texts, just great legal advice – regulated solicitors winning the battle against those annoying claims companies

As ‘cash for crash’ claims companies now face thousands of pounds in fines should they try and make money by pestering the public or processing fraudulent claims at the public’s expense, Freeclaim Solicitors are urging those looking to claim compensation to approach reputable solicitors only.

We’ve all had them – text messages stating that we’re entitled to thousands of pounds in compensation if we text a certain number, and annoying cold calls to people who haven’t even had an accident! But with the announcement that new powers are to be handed down to the Ministry of Justice’s Claims Management Regulation Unit (CMRU), this could be set to change very soon.

Complaints about nuisance text messages and cold calling by claims companies (for both PPI and accident claims) have been growing at an alarming rate. Freeclaim Solicitors have campaigned for many years to bring a halt to the random text messaging and cold calling practices of many claims companies.

Finally the government is taking notice and under new legislation, the CMRU will be able to impose substantial fines on those claims companies who mislead clients. These firms could now be charged up to 20% of their yearly turnover under the new rules.

The regulator is looking to ensure innocent accident victims are not mislead and ensure that these companies do not encourage ‘spurious’ or ‘unsubstantiated’ claims.

The government is also planning to introduce a ban on cash incentives – whether £250 for your claim or free iPads, they are promising to crack down on these schemes, many of which often then deny the money or benefits promised due to stringent “terms and conditions”.

Unfortunately, over the past few years, these practices by many companies have given the industry a bad name. Freeclaim Solicitors welcome the new rules and the banning of cash incentives will hopefully ensure accident victims will not be misled or short changed. Unscrupulous companies who thrive off the misfortune of others and make money by acting as a middle man may be a thing of the past.

Alastair Fernie, Managing Director of Freeclaim Solicitors comments,

“Before many of the changes, there were many companies who quite unashamedly were maximising as much profit as they could from the personal injury sector. Many operated with poorly trained call centre staff. Their business models relied on processing high volumes of claims and minimum contact with clients. This approach meant that many cases were mishandled and clients were left completely under compensated for their injuries.

The forthcoming changes should help, but we are still seeing many firms operating like ‘sausage factories’, dealing with high volumes of claims at the lowest cost possible.

We would always strongly recommend that anyone who has been injured in an accident seeks advice from a firm of specialist solicitors who can prove a track record of success in handling injury claims and can demonstrate high levels of client care.”

Freeclaim Solicitors have over 25 years’ experience in personal injury and come recommended by the Legal 500 as leading personal injury solicitors. They are also on Headway’s Approved Solicitors List, the Law Society’s Personal Injury Panel and have membership of the Motor Accident Solicitors Society (MASS) and APIL, the Association of Personal Injury Lawyers.

When you decide to make a claim with Freeclaim Solicitors, you can be confident that you are choosing an independent and experienced legal firm that has your best interests at heart. For more information visit www.freeclaim.co.uk or call 24 hr Freephone on 0800 612 7340 and speak to an expert about your claim.

Corporate Health Insurance Programs and Personal Injury Claims

No matter whether you’re an employee, operate your own small company, or employ hundreds of people as part of a large corporation, the complex and confusing issues surrounding the wide variety or corporate and private health insurance programs available affect all of us. [1] It is estimated that at the end of 2013 a scary 41 million Americans were uninsured and therefore would have had very limited access to healthcare and medical services. [2] The Affordable Care Act (ACA) has already reduced that number but it is still very high. Many people assume that those people without health insurance are unemployed, however that actually is not the case. According to corporate law many people do not have access to coverage through their jobs, either because they work for small companies that are not legally required to provide health insurance, or because they don’t work the amount of hours required by their company to receive their standard corporate health insurance coverage.

The Benefits of Going It Alone

If you are not covered by a corporate policy through your work place then health insurance programs can be very expensive. In fact, for many, the cost of providing your own independent health insurance is prohibitively expensive (which is why so many individuals across the country simply don’t have coverage). However there are some benefits of opting for independent private health insurance. One of these is that if you have an accident in the workplace or are the victim of any kind of medical malpractice then your job couldn’t be affected by pursuing the case in court.

Accidents can and do happen anywhere, but a large proportion of accidents each year happen in the work place. Statistics from the Occupational Health and Safety administration show that 4,405 workers died whilst on the job in their work places in 2013. [3] This figure doesn’t take into account the thousands of other workers who sustain injuries (some serious and some less serious) that don’t result in fatalities each year. Workplace accidents, often as a result of employer negligence, are a very real issue in the United States and something that every employee should be vigilant about. There is an obvious conflict of interest in making a personal injury claim after sustaining an accident at work or experiencing medical malpractice when receiving treatment for a non-work related injury if the health care provider you will be making a claim against and that you hold responsible for your injuries is provided by your employer, and therefore one can assume, has a close working relationship with your employer. If you do choose to make a  personal injury claim as a result of an injury at work, or make a claim against your corporate health insurance and their partners as a result of their medical malpractice, then your employer is not able to fire you. However they can make your life very uncomfortable, and make your working environment feel much more difficult than it was previously.

Health Insurance When You Work For Yourself

An incredible 53 million people in America earn their living from freelancing and working for themselves. This adds an interesting dimension to injury claims in the work place if your work place doubles up as your home! It also adds a unique aspect when it comes to choosing the right health insurance policy. It’s important that, whether you work for yourself or are choosing private rather than corporate health insurance, that you don’t prioritize short term costs when looking for the right health insurance policy for you. That extra money might well be nice in your pocket right now, but in the long term you could end up spending much more than you need to, and that money might not be going towards the best quality standards of care and the most comprehensive amount of coverage.

Additional Reading

[1] “Everyone is worried about the Supreme Court’s latest dive into health care, The Sacramento Beehttp://www.sacbee.com/news/nation-world/national/article9208346.html

[2] “Key facts about the uninsured population”, The Henry J Kaiser Family Foundationhttp://kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/

[3] “Workplace injury, illness and fatality statistics”, Occupational Safety and Health Administration (United States Department of Labor), https://www.osha.gov/oshstats/work.html

[4] “Wise up Wednesday from Zane Benefits: Why Health Benefits are Important to You and Your Staff”, Dentistry IQ, http://www.dentistryiq.com/articles/2015/01/wise-up-wednesday-from-zane-benefits0.html

[5] “What’s the most important cost to consider when picking a health plan?”, PBS News Hourhttp://www.pbs.org/newshour/making-sense/whats-the-most-important-cost-to-consider-when-picking-a-health-plan/