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 £9,630
Where a full recovery takes place within a period of about one to two years.
Moderate neck injuries
Up to £47,320
Injuries such as fractures or dislocations which cause severe immediate symptoms and which may necessitate spinal fusion.
Severe neck injuries
Up to £181,020
Neck injury associated with incomplete paraplegia or resulting in permanent spastic quadriparesis.
Minor back injury
Up to £16,770
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 £30,500
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 £196,450
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 £15,580
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 £267,340
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 £344,150
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 £493,000
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 £9,630
Soft tissue injury to your shoulder with considerable pain but almost complete recovery within one to two years.
Moderate - severe shoulder injury
Up to £15,580
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 £14,940
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 £10,660
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 £66,920
This award takes account of some risk of sympathetic ophthalmia.
Total loss of one eye
Up to £80,210
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 £55,570
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 £55,570
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 £133,810
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 £6,230
(Displaced fracture where recovery is complete but only after surgery.)
Fractures of cheekbones
Up to £19,260
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 £37,210
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 £13,930
Loss of or serious damage to several front teeth.
Arm Injuries
Loss of one arm
Not less than £167,380
Arm amputated at the shoulder.
Less severe injury arm injury
Up to £47,810
While there will have been significant disabilities, a substantial degree of recovery will have taken place or will be expected.
Simple fractures
Up to £23,430
Simple Fractures of the Forearm.
Elbow Injuries
Severe elbow injury
Up to £66,920
A Severely Disabling Injury.
Less severe injuries elbow injury
Up to £39,070
Injuries causing impairment of function but not involving major surgery or significant disability.
Moderate or minor injury elbow injury
Up to £15,370
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 £5,790
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 £29,900
Where these still result in some permanent disability as, for example, a degree of persisting pain and stiffness.
Severe wrist injuries
Up to £73,050
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 £103,200
Such injuries will have given rise to permanent cosmetic disability and significant loss of function.
Moderate hand injury
Up to £16,200
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 £22,870
Total Loss of Index Finger.
Severe hand injuries
Up to £66,920
Loss of Thumb.
Hip / Pelvis Injury
Severe hip / pelvis injury
Up to £159,770
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 £47,810
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 £15,370
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 £167,760
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 £66,920
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 £33,880
Fractures from which an incomplete recovery is made or serious soft tissue injuries.
Less severe leg injuries
Up to £17,180
Simple fracture of a femur with no damage to articular surfaces.
Knee Injuries
Severe knee injury
Up to £117,410
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 £31,960
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 £61,090
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 £32,450
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 £16,770
The less serious, minor or undisplaced fractures, sprains and ligamentous injuries.
Toe Injuries
Severe toe injury
In the region of £38,210
Amputation of the Great Toe
Moderate toe injuries
Up to £11,720
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 £13,450
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 £8,960
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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