Serious Injury Specialists Clear answers when life changes in a moment

Serious Injury Specialists

Clear answers when life changes in a moment

Latest Articles

When the Other Side Has No Insurer: Charting a Serious Injury Claim Through the MIB
Claims Process

When the Other Side Has No Insurer: Charting a Serious Injury Claim Through the MIB

A serious road injury claim usually begins with an insurer on the other side. When the driver is uninsured, untraced or leaves the scene, the Motor Insurers' Bureau may take that place under government-approved agreements—but the route has its own paperwork, deadlines and delays. This guide explains the practical steps families should take in the first weeks.
A Fresh Set of Eyes: When a Second Medical Opinion Can Strengthen a Serious Injury Claim
Medical Evidence

A Fresh Set of Eyes: When a Second Medical Opinion Can Strengthen a Serious Injury Claim

A second medical opinion is not an accusation against the first expert. It is a structured way to test whether the medical picture is complete, consistent and strong enough to support a serious injury claim. This guide explains how conflicting reports are managed, what it can mean for costs and timetables, and the questions clients should ask before raising concerns.
An Order Made to Be Revisited: Provisional Damages and Unsettled Medical Outcomes
Claims Process

An Order Made to Be Revisited: Provisional Damages and Unsettled Medical Outcomes

Most serious injury claims end with a final settlement that cannot be reopened. Provisional damages offer a narrow alternative where doctors can identify a specific risk of serious deterioration or future surgery. This article explains how the order works, when courts are willing to make one, and the practical questions to settle before choosing it.
When an Insurer Is Watching: Surveillance, Social Media and Serious Injury Claims
Claims Process

When an Insurer Is Watching: Surveillance, Social Media and Serious Injury Claims

Surveillance evidence can feel intrusive, but it is usually gathered to test consistency rather than to trap an honest claimant. This article explains how insurers use footage and social media, where legitimate evidence ends and pressure begins, and how to maintain sensible boundaries during recovery.
The Return-to-Work Question: Keeping Options Open While Recovery Is Still Underway
Claims Process

The Return-to-Work Question: Keeping Options Open While Recovery Is Still Underway

A serious injury can make the return-to-work question feel like a test that must be passed quickly. This guide sets out a calmer approach: phased returns, reasonable adjustments, Access to Work support, and the claim and benefits issues that are worth checking before a decision is made.
The Quiet Costs of Recovery: Keeping a Credible Record of Out-of-Pocket Spending After Serious Injury
Claims Process

The Quiet Costs of Recovery: Keeping a Credible Record of Out-of-Pocket Spending After Serious Injury

After a serious injury, families often absorb small expenses without thinking of them as evidence. This guide explains how to record travel, home adjustments, paid help, equipment and childcare in a simple, proportionate way that can support a claim months or years later.
When the Injury Happens Abroad: Jurisdiction, Insurance and the First Calls That Matter
Claims Process

When the Injury Happens Abroad: Jurisdiction, Insurance and the First Calls That Matter

A serious injury overseas raises urgent practical questions before any legal ones: who to call, what to preserve and which country’s rules may apply. This guide explains how travel insurance, package-holiday protections and local law can interact, and how UK families can keep a claim on track while arranging a safe return home.
Payments That Keep Pace: Choosing Between a Lump Sum and an Annual Income After Serious Injury
Claim Funding

Payments That Keep Pace: Choosing Between a Lump Sum and an Annual Income After Serious Injury

A serious injury settlement can arrive as a single sum or as a series of annual payments that rise with inflation. This article explains how periodical payment orders work, where a lump sum still earns its place, and the questions worth putting to a solicitor and an independent financial adviser before a decision that will shape the next forty years.
A Claim Held in Trust: Serious Injury, Childhood, and the Handover at Eighteen
Family Support

A Claim Held in Trust: Serious Injury, Childhood, and the Handover at Eighteen

When a serious injury happens to a child, the legal claim moves at a different pace — one measured in school terms and birthdays rather than months. This guide explains the litigation friend’s role, why settlements need court approval, and how families can prepare for the practical questions that arrive at eighteen.
The Right Room to Recover In: Housing and Adaptation Decisions After Serious Injury
Family Support

The Right Room to Recover In: Housing and Adaptation Decisions After Serious Injury

A serious injury can make the family home feel like a series of barriers. This guide explains how to assess housing needs, use occupational therapy and Disabled Facilities Grants, and approach property or adaptation costs within a settlement without tying up compensation in the wrong walls.
Who Holds the Care Plan Together? The Role of a Case Manager After Serious Injury
Family Support

Who Holds the Care Plan Together? The Role of a Case Manager After Serious Injury

After a serious injury, families often meet a case manager without fully understanding what the role involves or how it is funded. This article explains the practical work of coordination, the funding routes that may be available, and the questions worth asking before appointing someone.
Time Limits After Serious Injury: Protecting a Claim When the Picture Is Still Unclear
Claims Process

Time Limits After Serious Injury: Protecting a Claim When the Picture Is Still Unclear

Limitation periods are one of the most important practical rules in any serious injury claim, yet they are often misunderstood. This plain-English guide explains the usual three-year period, the date-of-knowledge principle, and the exceptions that can apply to children and protected parties.
Beyond the Slogan: Ten Cost Questions to Put to a Serious Injury Solicitor Before Instructing Them
Claim Funding

Beyond the Slogan: Ten Cost Questions to Put to a Serious Injury Solicitor Before Instructing Them

No win, no fee describes a mechanism, not a price. This checklist sets out ten practical questions about success fees, disbursements and insurance that can help injured people compare firms and understand what they are signing before they commit.
Recovery Before Resolution: How the Rehabilitation Code Can Start Treatment While Fault Is Still in Dispute
Medical Evidence

Recovery Before Resolution: How the Rehabilitation Code Can Start Treatment While Fault Is Still in Dispute

The Rehabilitation Code allows treatment, equipment and support to begin long before liability is settled. This article explains how the protocol works in practice across England and Wales, how to request an assessment, and what injured people and their families should realistically expect from it.
Reading the First Number: A Calm Approach to Early Settlement Offers
Claim Funding

Reading the First Number: A Calm Approach to Early Settlement Offers

An early settlement offer in a serious injury claim can feel decisive, but it is usually a negotiating step rather than a final verdict. This guide explains how to assess an offer against future care, lost earnings and long-term needs, and what to ask before deciding.
Shared Responsibility in a Serious Injury Claim: What a Reduction Really Means
Medical Evidence

Shared Responsibility in a Serious Injury Claim: What a Reduction Really Means

An allegation that an injured person was partly to blame can unsettle an otherwise strong claim. This article explains how contributory negligence is assessed in England and Wales, why it does not automatically end a claim, and what the evidence and financial consequences may involve.
The Percentage That Moves Millions: The Discount Rate and Serious Injury Settlements in 2026
Claim Funding

The Percentage That Moves Millions: The Discount Rate and Serious Injury Settlements in 2026

The personal injury discount rate is a small figure with an outsized effect on settlements that must fund decades of care. This explainer sets out how the rate is set, why the 2026 review matters, and what claimants can reasonably ask their legal team about assumptions, periodical payments and protecting a care package.
Building the Medical Case: How Experts, Records and Reports Shape a Serious Injury Claim
Medical Evidence

Building the Medical Case: How Experts, Records and Reports Shape a Serious Injury Claim

A serious injury claim is not built by legal argument alone. It rests on a body of medical evidence assembled from treating records, independent experts and the claimant's own account. This guide explains who instructs experts, what a report can and cannot say, and how families can spot evidence that needs closer scrutiny.
Help That Does Not Wait for the Settlement: Seven Support Routes Serious Injury Families Often Find Late
Family Support

Help That Does Not Wait for the Settlement: Seven Support Routes Serious Injury Families Often Find Late

Compensation is rarely the fastest source of help after a serious injury, yet many families treat it as the only one. This article sets out seven practical support routes — from case management and vocational rehabilitation to housing grants, benefits and peer networks — that can be pursued alongside a claim rather than after it.
When a Client Cannot Give Instructions: Capacity, Consent and the Court's Role in Serious Injury Claims
Claim Funding

When a Client Cannot Give Instructions: Capacity, Consent and the Court's Role in Serious Injury Claims

A serious injury claim depends on the client's instructions — so what happens when injury affects the ability to give them? This article explains litigation friends, Court of Protection deputyship and why some settlements must be approved by a judge, in plain English and without the jargon.