How Long Should Your Personal Injury Claim Take To Settle
 

How Long Should Your Personal Injury Claim Take To Settle.

By: Matrix Jones

Personal injury settlements can take varied different lengths of time to settle. And that can be a problem when faced with a claim.

Your solicitor may very well ask ‘how long is a piece of string’ in response this question. However, that is not really a valid answer to the question. The point though is whether this is a reasonable question to ask following your injury. I think it is a perfectly fair question to ask and one which demands a response which is not flippant as the reply above.


Looking at the question from first principles in order to provide a proper response there are factors firstly to take into account. One of the first issues to look in a claims settlement  is the question of when did the accident occur?

The date of the accident is vital to your claim and affect a number of issues such as how much time you legally have to pursue your claim.

The time limit is enshrined in statute law but in general you have 3 years from the date of the accident. There are circumstances when the 3 year time limit is not strictly applicable. Furthermore, there are circumstances when the court will overlook the strict statutory ‘limitation period’ as it is called and allow a claim to proceed out of time.

So, looking back to the original question you would need to know what the time delay was since the accident as people report their accidents after varied periods of delay. In some cases on the initial evidence it may appear to be that the claim is out of time altogether depending on the extent of the delay since the accident.

Another factor to take into account is the actual accident circumstances and whether they are complicated, example multiple pile ups on the motorway or a simple slip and trip accident involving only you.

In the case of a pile up on the motorway there are likely to be different versions of the event from the various parties involved and from witnesses. It will probably take forensic police evidence and independent witness evidence to resolve.

In the case of a slipping incident there is usually some external substance on the floor such as water or liquids. Also the type of footwear worn could be a contributory factor or there could be some inherent defect in the flooring such as slippery tiles. However, whilst not necessarily simple this type of accident is capable of settlement much sooner and thus reduces the time it takes to settle.

Another important factor affecting the time it takes to settle your claim concerns the nature and extent of your injuries. In the case of a slipping incident your injuries could vary from mere bruising and shake-up to a pelvic fracture.

In the case of a young person the healing process is much quicker for almost all type of injuries. For an elderly person the injury may never quite heal and fractures invariably never heal and could result in complications and ultimately death.

In a motorway accident there are usually fatalities and the nature and extent of injuries for survivors are much greater. This usually involves multiple fractures including arms, legs hips and skull fractures and resulting brain damage.

So just looking at the above factors and you begin to get a feel for the magnitude of the complexity in answering the question about how long it takes to settle your claim.

However, I still don’t believe that a flippant response to the question is justified under any circumstances. The circumstances of each case must be looked at individually by the solicitor or claim consultant and based on your experience you should be able to provide a good reply to the question.



About the author:

Matrix Jones is a graduate of the University of East Anglia and an Associate of the Chartered Insurance Institute.He has accumulated more than 25 years in the evaluation and settlement of personal injury claims.

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