The silly money to repair Mr Bean’s car

The misfortune that befell Rowan Atkinson’s McLaren supercar resulted in a record insurance pay out for repairs costing some £900,000. However a further potential consequence of damage to a prestige vehicle (or indeed any other “ordinary car” less than two years old) is diminution in value as a result of discloseable accident damage which could incur a potential further loss of 10% of the vehicle’s value on any subsequent sale. With a supposed value of £3 million, hardly small beans in anyone’s language!

Accident Claim No Win No Fee

Accident Claim No Win No Fee, are also known as conditional fee arrangements. These claims are a type of claim which can be pursued if you have suffered personal injury (e.g. as a result of a work-related accident). Pursuing a NO WIN NO FEE fee claim greatly reduces the risk of taking legal action. In this way, it eases people who are reluctant to pursue a personal injury the claim, because of the fear of mounting and exorbitant legal costs.

What are NO WIN NO FEE claims?
Essentially, NO WIN NO FEE claims are pursued on the basis that you do not need to pay any legal fees related to your claim, unless you are successful in winning your claim. This alleviates a lot of the risk associated with bringing legal action. If your claim is unsuccessful, you may be liable to pay the other side’s legal costs. However, we can offer a solution to this with “After Event” Insurance.

Is NO WIN NO FEE the same as Legal Aid?
NO WIN NO FEE claims were introduced in the 1990s. This type of claim replaced legal aid (which was a government scheme to help make legal services accessible to all, so that everyone could have a fair hearing). This was particularly aimed at those who could not afford to pay for legal representation. Legal aid had to be applied for, with grants being ‘mean-tested’. NO WIN NO FEE does not need to be applied for.

Do I keep 100% of the compensation?
We may offer to work on a NO WIN NO FEE fee basis, which comes with the guarantee that you will keep 100% of your compensation.

Who pays my Solicitor?
We recoup all of our costs and expenses from the defendant or their insurers. This happens when we settle the claim out of court, or you win the case at trial.

Personal Injury Payments

Personal Injury Payments. Here at Waring & Co we appreciate that if you have been unfortunate enough to be involved in an accident which was not your fault, it is highly likely that you will suffer immediate financial loss and hardship.

You may wish to take advantage of an offer we are able to make to our clients in our attempts to help and lessen the immediate financial effects on you. It may be that you are unable to work due to the injuries you sustained in the accident or be involved in other expenses relative to damage to your vehicle and so forth. In these circumstances, we seek to help our clients in making an advancement of recoverable damages as soon as we are reasonably in a position to do so. We do so in seeking to provide to our clients the best possible levels of service available. The advancement is made upon Terms and Conditions which, in summary, provide that any money advanced to you will be returned to the firm at the finalisation of your claim and once we have received your cheque in settlement of your claim for compensation. This way, any financial hardship you are suffering as a result of being involved in an accident which was not your fault can be dealt with at the earliest possible date, thereby enabling you to get on with your life without this additional worry. This is an essential part of our commitment to you to provide the highest levels of professional service.

To enable us to offer you an advance on your damages we would have to check and be sure that the following conditions apply:

1. That we think your claim is likely to succeed and that we have entered into a Conditional Fee Agreement with you already.

2. That the other party was properly insured.

3. That we believe your claim has a value of more than £2,000.00, having reviewed a medical report that has been obtained and approved by you.

4. That liability for your claim has been admitted by the insurers of the other party causing your accident.

5. That we have not made any payment to any other party for the referral of your claim to us previously.

6. That we continue to act on your behalf as solicitors appointed throughout the conduct of your claim.

7. This offers is subject to withdrawal at any time entirely at our discretion.

Crash for cash

Crash for cash

Crash for cash scams are an increasing problem on Britain’s roads, with many innocent drivers being targeted. Drivers are often unaware that they are the victim of a highly organised crime. The premise seems strange: you are forced to crash into somebody, damaging their car for their financial gain. Throughout the claims process you are held responsible for causing the accident, despite the fact that you have been maliciously induced into doing so. It is much like somebody grabbing your arm, hitting themselves in the head with your fist, and then having you arrested for assault and forcing you to pay them for the privilege. The accident victims will firstly pass their details onto a personal injury solicitor, who may typically charge anything between £500 and £800 as a marketing, or referral fee. Compensation will then be claimed, storage and replacement of the vehicle will be added to the bill, sometimes totaling £20,000 or above. All for a single shunt in the back of your vehicle. Your insurance premium is increased and a crime has been committed, leaving you as the real victim.

Here are 10 ways you can avoid this happening to you:

1. Take the Tyres and Tarmac approach. Always make sure you can see the tarmac below the tyres of the vehicle in front. Keeping a safe distance will reduce your risk of running into the back of somebody, by allowing a greater stopping distance.

2. Beware of Tailgaters. Concentrating on the car behind, through your rear view mirror will take your concentration from the car in front of you. This is how many gangs operate: the car behind you will attempt to take your eyes of the car in front of you, who is also “in on the act”. If the car in front brakes suddenly, you may find yourself accidentally hitting the back of them, as your concentration was on the vehicle behind you.

3. Always look for brake lights. Keep your distance from the car in front and always take extra care in traffic until you can confirm that the vehicle in front has fully operational brake lights. If a car looks like it is slowing quickly and the brake lights are not illuminated, give that particular vehicle plenty of room. Non- functioning lights are a typical ploy to trap unsuspecting motorists.

4. Take extra care at roundabouts or areas where there is stop-start congestion. Roundabouts, especially at rush hour, can be hectic places and timing your manoeuvre is of paramount importance. Naturally, this makes for an ideal opportunity for gangs to target you. A typical example is where there is a gap to join a roundabout. The car in front will speed up to join the busy traffic and you are keen to follow and to join also. The car in front then suddenly brakes and you follow – into the back of their car. The only way to avoid this is not to rush at roundabouts and be very wary of what the car in front is doing. A high percentage of “crash for cash” scams involve roundabouts, owing to the unpredictable nature and heavy traffic.

5. Beware of cars rapidly pulling out of junctions and then braking in front of you.

6. Be extra aware if you are a commercial vehicle owner. Commercial vehicle owners are an easy target when it comes to “crash for cash” as they know that there is a higher probability of the vehicle being fully insured. A regular scam involves two cars and a larger commercial vehicle on the motorway. A car will drive in front of the commercial vehicle, and the second car will intentionally sway into the lane of the car, forcing it to brake and forcing the commercial vehicle to go into the back of the car in front.

7. Be extra aware of known “Hotspots”. Manchester, Bradford, Bolton and Oldham in the North of England are apparently some of the worst areas for “crash for cash” scammers.

8. Take extra care when in lanes. Motorways and dual carriageways always require drivers to give extra diligence to conditions, but it is worth trying to be even more aware when driving in lanes, being aware in faster traffic and always being conscious of the middle lane. A car can purposely pull from the outside lane (fast lane) and cause you to swerve into another car. The faster you are traveling – the greater the risk of severe injury.

9. Be wary of ties, ribbons and materials attached to an exhaust/ tow bar on a vehicle. This practice is getting rarer these days, as many gangs do not wish to draw attention to a particular vehicle via a camera or CCTV. A ribbon or other material tied to a car can indicate that it is willing to be involved in a staged accident, and as an innocent party you may be drawn into a crash – sandwiched between two cars.

10. If you have been involved in an accident and hit the back of another vehicle, then do not panic. As long as you feel okay, chances are you will be okay – always go to the hospital or doctors for a check up just to make sure. If you think that the accident was your fault, then you may have to hold your hands up, but if you are remotely suspicious then be as vigilant as possible. Call the police, take photographs of the vehicle damage (as scammers will often have their vehicle doctored to make it look like the impact was much higher, thus allowing for a greater compensation claim as more damage was caused) and take the full details of the other party. Do not accept liability.