Who is to blame? Claimant v Emergency Services

 

There are often many situations where collisions occur involving an emergency vehicle answering to an emergency call. You would expect the driver of an emergency vehicle that had proceeded through a set of red lights to be at fault for a collision; which occurred with another road user. Should it have been a collision with two ordinary road users the party proceeding through a set of red lights would automatically be a fault for the collision. This is not always the case and there is more to the issue of liability which is quite complex.

 In the case of Griffin v Merseyside Regional Ambulance Service 1997 it was established that road users should hear and see an emergency vehicle approaching and take reasonable steps to avoid a collision. In this case the Claimant did not take on board the behaviour of the other road users when the ambulance was approaching and was therefore held 60% at fault. It was however held that each case would be judged on its own facts.

Often third party insurers or Solicitors try and use the case of Griffin to reach agreement with regards to liability which would always be in their favour. If each case is to be judge on its own merits then the surrounding area should be taken into consideration. Where there any blind spots? Could both parties see one another? Did the driver of the emergency vehicle use both the wailer and lights to indicate their presence?

In the case of Purdue v Devon Fire and Rescue Services 2002 it was held that the Claimants contribution to the accident was limited and he was only 20% at fault. He did not look both left and right when crossing a junction even though the lights were green in his favour and did not see the fire engine approaching. The driver and commander of the fire engine had seen the Claimant and noticed that he did not look in their direction. The fire engines lights were flashing but they did not use the wailer to sound their presence and were therefore held to be 80% at fault as they crossed a red light and collided with the Claimant.

The Highway Code also gives some insight into the responsibility that road users have when an emergency vehicle is responding to a call.

Rule 219 of the Highway Code states “Emergency and Incident Support vehicles. You should look and listen for ambulances, fire engines, police, doctors or other emergency vehicles using flashing blue, red or green lights and sirens or flashing headlights, or Highways Agency Traffic Officer and Incident Support vehicles using flashing amber lights. When one approaches do not panic. Consider the route of such a vehicle and take appropriate action to let it pass, while complying with all traffic signs. If necessary, pull to the side of the road and stop, but try to avoid stopping before the brow of a hill, a bend or narrow section of road. Do not endanger yourself, other road users or pedestrians and avoid mounting the kerb. Do not brake harshly on approach to a junction or roundabout, as a following vehicle may not have the same view as you.”

One thing is clear road users must be extremely vigilant when crossing junctions knowing that an emergency vehicle is approaching as it is likely that they will be held to be partially responsible for causing any collisions that may occur. This matter does require more structure and clarity in the future.

By Francesca Nelson

Paralegal

Fundamental Dishonesty

 

The Criminal Justice and Courts Act 2015 received royal assent on 12 February 2015. It is section 57 of the Act that relates to the concept of fundamental dishonesty and bears particular significance when it comes to personal injury claims. This section came into force on 13 April 2015 and now applies to all claims where Court proceedings have been issued on or after that date.

Section 57 of the Act requires Judges to strike out any claim for personal injury where the Claimant is found on the balance of probabilities to have been ‘fundamentally dishonest’. This will be applicable in every instance except where the Claimant would suffer ‘substantial injustice’ as a result of the claim being struck out.  It is worth noting that the limitations of section 57 will not be set until this section has been tested and applied by the Courts. Whilst CPR 44.16(1), does provide; “Orders for costs made against the claimant may be enforced to the full extent of such orders with the permission of the court where the claim is found on the balance of probabilities to be fundamentally dishonest.”, the rules offer no guidance at all on what fundamental dishonesty really means and a definition is yet to be established.

In Gosling v Screwfix, His Honour Judge Maloney QC sitting at Cambridge County Court, ruled that substantial exaggeration can amount to fundamental dishonesty. The Judge held that, on the facts, the Claimant “in relation both to that very substantial element of this claim, future care, and in relation to an even larger part of his claim, general damages for pain, suffering and loss of amenity, the dishonesty in question here, if established, is fundamental to those heads of damage, and thus to around half of the total claim in damage terms. It appears to me to be very clear that on any sensible definition of a ‘fundamentally dishonest claim’ dishonesty crucial to such a large part of the claim under those two heads is sufficient to enable the claim to be characterised as fundamentally dishonest”.

It therefore appears that a Claimant does not have to bring a bogus claim to be caught by the definition of fundamental dishonesty. Exaggeration in relation to quantum, for example the extent of injuries, will be enough for the claim to be deemed ‘fundamentally dishonest’. Whilst the Judge was satisfied that the Claimant did suffer injuries as a result of the accident for which the Defendant was liable, he believed that the Claimant had significantly exaggerated the extent of his injuries. This would suggest that ‘fundamentally dishonest’ was intended to include not just fraud in the conventional sense but also genuine claims where most of the claim has been made dishonestly.

It will be a question of fact in each case in relation to the level of exaggeration and dishonesty, and this will no doubt be tried and tested by both Claimants and Defendants in future cases.

written by Kalpana Pethani

http://www.fpg-law.com/site/staff/solicitors/

Latest Whiplash Reforms – by Aman Saini – June 2015

Latest Whiplash Reforms – by Aman Saini – June 2015.

Further to the previous blogs by my learned colleagues, we as Claimant lawyers have seen many challenges in the world of RTA Personal Injury Claims on a day to day basis, however there is no escaping the fundamental changes and developments that are currently taking place in this ever-changing field of law thus reflecting the importance of continuing professional development.

Post Jackson may have seen many small claims management companies suddenly disappearing, and Claimant Lawyers ensuring that compliance with Directions is at the forefront of all file management. I assume that many Claimant and Defendant lawyers have had a moment at one point in their career where they have frantically had the fear of missing a date of Directions, obviously this is not something that happens very often.

Most recently we have learnt about the changes in Part 36 offers after 6th April 2015 which have provided flexibility by including several new amendments to the rules such as now being able to vary time the Part 36 offer is valid for (of not less than 21 days) and being able to specify whether the offer relates to the whole or any part or issue of a counterclaim or any additional claim.

However Part 36 offers aside which may require its own article, a number of other changes that were anticipated for 2015 have now kicked in.

The main two changes are the new MedCo system and the AskCue service. The changes aim to address concerns around the independence and quality of medical reports and assist in the prevention of fraudulent claims. What are these?

Medco

For all Claim Notification Forms (CNF’s) sent on or after 6tH April 2015, the first report in a soft tissue injury (whiplash) claim must be a fixed cost medical report commissioned via the MedCo portal from experts who have been accredited and selected by MedCo. Medical experts wanting to provide intial reports in soft tissue injury cases must be accredited by MedCo from 1st January 2016. MedCo users will be able to search for either individual experts or MRO’s who can provide the initial reports for RTA Soft tissue injury claims as defined in the Protocol:

‘Soft tissue injury claims means a claim brought by an occupant of a motor vehicle where the significant physical injury caused is a soft tissue injury and includes claims where there is a minor psychological injury secondary in significance to the physical injury’.

The system will return a choice of randomly generated results and the user will be able to select from those results of 6/7 experts.

The MOJ’s intention is that the new system will crack down on fraud and abuse of the system which have for years led to honest drivers, facing unfairly increased insurance premiums thus combatting the ‘compensation culture’. According to the Claims Portal website around 900,000 RTA claims were files in 2014 alone.

Furthermore, it should be noted that in a soft tissue injury claim to which the RTA PAP applies, the only sum (exclusive of VAT) which can be claimed for the initial medical report is £180.00 from an accredited medical expert selected via the MedCo Portal, any further reports which are obtained from any experts of the following disciplines must also be fixed cost; Consultant Orthopaedic Consultant, Consultant in Accident and Emergency Medicine, GP registered with the GMC and Physiotherapists registered with the Health and Care Professionals Council etc.

AskCue

If you are a solicitor organisation processing claims covered by the Pre-Action Protocol for Low Value Personal Injury Claims in Road Traffic Accidents (the RTA Protocol), then you are required to check your client’s records held on the CUE PI Database before submitting a Claim Notification Form (CNF) through the Claims Portal providing a unique reference number. This is effective from 1st June 2015 (Rule 6.3A of the RTA PAP). The askCUE PI (personal injury) service allows approved solicitor organisations to check their client’s records held on the CUE PI database. These records relate to personal injury/industrial illness incidents reported to insurance companies, which may or may not give rise to a claim.

The service is being introduced to meet the requirements of the PAP which state that Claim Notification Forms (CNF) submitted through the Claims Portal from 1 June 2015 must contain an askCUE PI search reference number generated by the service.

To make an enquiry you are required to provide the following information about your client; Forename, Surname, Address, Date of Birth, National Insurance number. This information is used to search and locate any records held on the CUE PI database. Claimants who do not comply with this new rule will only be awarded costs in ‘exceptional circumstances’.

Summary

We are yet to see how beneficial these new changes are. I assume that these new processes will take several days to implement into routine case management and get used to, however it is essential that Personal Injury lawyers keep updated with these new changes, otherwise this would give further rise to Defendant’s to raise disputes especially when it comes down to costs implications.

Let’s all watch this space for any further changes!

Aman Saini

http://www.fpg-law.com/site/staff/paralegals/

Proposed changes in Personal Injury Claims by Ratna Paul

 

Proposed changes in Personal Injury Claims

The Small Claims Court was established to assist people in bringing lower value civil claims; the current limit for personal injury compensation cases is £1,000. This level of personal injury compensation relates to minor injuries only and if your injury is likely to cause you more than a few weeks of pain.

The Better Regulation Task Force proposes increasing the value of small claims from the current limit of £1,000 to £5,000. This means that a personal injury claims will now have to be worth in excess of £5,000 in order for a successful party to recover their legal fees from their opponent.

There has always been general agreement that personal injury claims require legal assistance due the complexity and variation of situations that can arise. It is difficult for a general member of the public to value the injuries they sustained in a road traffic accident. This is mainly due to the fact that compensation is calculated in accordance with Judicial Studies Board Guidelines and case law. Therefore, if the claimant is not familiar with the guidelines and case law they will not know how much their injury is potentially worth.

The Association of Personal Injury Lawyers claims that up to 70% of personal injury cases are worth less than £5,000. If the proposed changes are introduced Claimants with personal injury cases worth less than £5,000 will soon find themselves having to pay for all of their legal fees out of their compensation. The result of the changes is likely to be an increase in the number of claimants trying to deal with their claims without the assistance of solicitors. Without legal assistance, some personal injury claimants will not receive the compensation they are entitled to.

Claimants who have a genuine low value personal injury claim will be at a disadvantage from this change however insurers are likely to be in a significantly better position. The changes suggest that people are being discouraged from claiming for personal injury compensation and even if they are successful in making the claim they will be likely to settle for a lower value.

The Association of District Judges accepts that raising the personal injury limit to £5,000 could cause potential injustice and have due to this they have suggested a figure of £2,500 as a potential compromise alternative. Due to the proposed changes which may come into effect genuine personal injury claimants have a small window in which they can still make a claim under the current limit. Therefore it is a sensible time to make these claims as soon as possible in order to receive the appropriate amount in damages.

Ratna Paul

Trainee Solicitor PI 

http://www.fpg-law.com/site/staff/solicitors/

URGENT UPDATE/INFORMATION: LAST CHANCE TO GET YOUR IRHP REVIEWED!

Now is your last chance to get your Interest Rate Hedging Product (“IRHP”) reviewed! The deadline set from the Financial Conduct Authority (“FCA”) expiries on the 31st March 2015. Only six days are left to submit your authority to your bank requesting the sale of your IRHP to be reviewed. Therefore you have to take action now!

You should be aware that if you were sold a Cap, your bank may not have written to you.  No bank voluntarily invited any customers to have the sale of the Cap reviewed under the FCA Review Scheme.   You, the customer, must raise a complaint requesting its Review.  You must raise this complaint by 31 MARCH 2015.

NatWest has recently sent letters to their customers advising them if they were sold a Cap.    Some of you might have received such a letter. If the Banks Review Team is not contacted until the 31st March 2015, the sale of your Cap will not be included in banks FCA IRHP Review and will be considered under the banks standard complaints handling procedure.

We welcome you to contact our firm to discuss your concerns and how to get onto the Review, you will not be charged for this free direction or advice……contact us via phone on 0203 538 3807 or Email. Take action now!

By Interns Camille Carlier (LLM Law) and Maxim Hohmann (LLB Law)

The Minimum Employers Need to Know to Avoid Being Named and Shamed!

By Nicola Paton– Commercial Law Solicitor

On the 15th of January 2015 the Government named and shamed 37 National Minimum Wage offenders.  I was personally surprised at size of the organisations named on the list, I expected the list to detail small, independent employers however this is not the case. Larger high street brands are also falling foul to the minimum wage laws.

So who should be getting paid wages and what are the minimum wage thresholds?

The National Minimum Wage is the minimum sum (per hour) an employer must pay an employee for their services/time at work.  The National Minimum Wage Act 1998 is the Statue that imposes the National Minimum Wage on employers.    Staff working for you that are covered by the National Minimum Wage laws include; part timers, casual labourers, agency workers, apprentices, trainees, workers on probation, disabled workers, agricultural workers, foreign workers, seafarers and offshore workers.

In essence, everyone other than those who are self-employed, company directors, volunteers, education students on work placements, people undertaking Jobcentre Plus Work Trials (for 6 weeks), prisoners workers on a government employment programme, members of the armed forces, people living and working in a religious community must be paid the minimum wage or above.

The current minimum wage rates are set as follows;

21 years and over – £6.50 per hour

Between 18 and 20 years – £5.13 per hour

Under 18 years – £3.79 per hour

Apprentices – £2.73 per hour (note: this rate is for apprentices aged 16 to 18 years and those aged 19 and over who are in their first year.  All other apprentices are entitled to the National Minimum Wage for their age category). 

 

The Minimum Wage hourly rates include personal Income Tax, National Insurance contributions payable by the employee.

What happens if you break the law?

If you are alerted to an underpayment you must reimburse the employee immediately. If you fail to do so the employee could complain to HMRC, who can issue a fine or penalty.

Business Minister Jo Swinson said “Paying less than the minimum wage is illegal, immoral and completely unacceptable. If employers break this law they need to know that we will take tough action by naming, shaming and fining them as well as helping workers recover the hundreds of thousands of pounds in pay owed to them”.

No employer wants the bad publicity, and stigma, that follows when the Government names you as underpaying staff!

What can you do as an employer to ensure you do not breach the law?

The simple way to check you are paying the correct wage is by checking on the Gov.uk minimum wage calculator online.  This is of course easily calculated when staff are working their agreed hours.  However, it is vital for you to impose the onus on the employees that when they work additional hours to those stipulated in their employment contract (overtime) that they advise you of the additional hours worked.

Gone have the days of clocking in/out machines when you can keep track of your employees time working.  Logs of time spent ‘on a job’ or task are not reliable as they simply detail the time working on a specific task or subject matter.  You need an accurate account of when each member is deemed to be ‘working’.    The best way is simply for staff to report to their line manager or supervisor of all additional time spent ‘working’.  This way you can pay the additional wages due.  This offers protection from any employee alleging underpayment in the future, you can defend this allegation by evidencing the employees own time records.

Speak Now or Forever Hold Your Peace: The Fast Approaching Deadline to Have Your IRHP Reviewed.

By Nicola Paton– Senior Solicitor

The Financial Conduct Authority (“FCA”) has recently announced the deadline for acceptance onto the Interest Rate Hedging Product (“IRHP”) Review.  The deadline to accept your banks offer to have the review of your IRHP is 31st MARCH 2015.

This gives you just over 6 weeks to submit your authority to your bank requesting the sale of your swap or collar to be reviewed.

The full review started in May 2013 and the FCA states that the banks have now sent a redress determination letter to all of the 17,000 businesses that are in the review. So far, £1.8 billion has been paid in redress, including £365 million to deal with consequential losses. Invitations have been sent to bank customers, the vast majority of those have been taken up and the reviews have now been finalised or are nearing the end of the review process.

I strongly urge everyone who obtained a loan with a bank, between 2001 to date (particularly 2004 to 2008) and whom was possibly approached by their Relationship Manager to discuss concerns over meeting loan repayment if interest rates were to rise, to contact their bank immediately and enquire if you have an IRHP.

I have many clients who were simply not aware they had such a hedging product; many were of the belief that the discussions with their relationship manager and the ‘charming man’ from the Treasury were to provide information in relation to forecasted interest rate movements.   The reality was this was a sales meeting.

A client recently commented to me that had he known he was meeting with the ‘marketing department’ he would never have taken the information provided as verbatim, he would have sought independent advice and definitely made more enquires about the product on offer.

Many businesses were not aware of the existence of these IRHPs, particularly a Cap.  You should be aware that if you were sold a Cap your bank will NOT have written to you inviting you to have the sale of the Cap reviewed under the FCA Scheme.  The burden is on the customer to issue a complaint to the bank and the bank will thereafter agree to review the sale process. It is vital you identify if you were sold a Cap and raise a complaint by the 31st March 2015 otherwise you will lose your right to have it reviewed.  Many customers may not be aware they were sold a Cap; a Cap attracts a premium which can be paid at the commencement of the start (or through the term) of the products life.   I have personally seen Cap premiums to be in the hundreds of thousands of pounds.   If your bank failed you as a customer when selling the IRHP, you may be entitled to have this premium refunded. If you are unsure on what steps to take now, or have any questions in relation to IRHP’s, please do not hesitate to contact us.

Quantum of Damages – Knowing your Heads of Claim.

By Samrah Jaffrey- Senior PI Solicitor

As some very well known and well regarded solicitors like to say in their television advert.. “because compensation is only part of the story…”

As claimant lawyers we came into the profession to do good. To help and support, and fight for justice for those who perhaps cannot fight for themselves. Too often, in the tumult of political squabbling and point scoring that seems to define dramatic battles played out on the public stage in this area, the actual claimant, the individual – the person, is forgotten. He or she is grouped into a band of people with nothing better to do than research ways of defrauding the system and asking for things they do not deserve. No doubt there are unscrupulous claimants and potential claimants out there who do this but those of us on both sides of the Claimant/Defendant divide must and do steer clear of such folk. This article does not deal with such people, they are not our concern, that concern must be reserved for the deserving, the genuinely and often quietly injured who don’t want to make a fuss and just want to get back to the way things were.

Such individuals, injured, sometimes quite badly, through no fault of their own, often are not heard in the debate – but amid the cries of compensation culture and fundamentally dishonest, they shine through as the reason for doing what we do as claimant lawyers. The impact of the injury on his or her life, the day to day limitations, the frustration of  just not being able to go about one’s daily routine, all amount to something none of us should have to suffer. It is to alleviate such suffering that we come to work every day, getting on with what seem to be thankless tasks for almost a pittance and nearly for free, (compared to the work involved)  because, such claimants are most definitely worth it. In doing this, we must look to successfully pursue the claim, all the while ensuring that in addition to the basic proposition of General and Special damages, we do not forget the raft of heads of damage covered by both these categories, together with the wider picture of trying to help the client get their life back on track.

It is not the aim of this article to deal with the catastrophic, serious or high value injury claims, rather to ensure that in even small and mid -sized claims, we are pursuing all possible heads of claim and also understanding that to us this is a claim, a file, a case to be won, but to the claimant, it is their life we are dealing with, their everyday reality. No amount of money can give back what an injury takes away but it is the only meaningful apology that can be made and is there to try and put the claimant as close to being back to the position in which they would have been, “but for “the accident. The definition of rehabilitation is to restore something to its original state, to “put back” as it were, what went before. It is an important concept that a claimant lawyer must start to consider as he/she accepts instructions, right through to when he/she settles the claim. It could involve any of the physical therapies that go hand in hand with dealing with certain injuries, physiotherapy, osteopathy, chiropractic treatment, counselling, cognitive behavioural therapy or even vocational therapy or it could mean the support that a claimant needs to make sense of their changed position, not being able to work or work full time for example, adapting to an aid or support, or just a different way of moving, climbing into bed, getting out of a car.

It is sometimes quite easy to lose sight of the bigger picture in the battle to get the compensation your client deserves, but perhaps they need a little more from their solicitor, they have already suffered the trauma of the accident so not suffering the trauma of the claims process is a bonus, otherwise it is a double whammy. Listening to the client, empathising and thinking of ways to improve their life, or to give them some of the confidence back that they may have lost, are ways that help that cannot be quantified in pounds and pence but are valuable nonetheless. Recognising that this is not easy for them, to relive something they would much rather forget, can sometimes serve as a balm for what may still be an open wound that is not just physical.

Our job is not only to think of the large things but the little things also and give attention to detail. Whilst it is easy to remember to begin the claim with Specials such as treatment, travel or medication costs, it is important to always measure each claim against a barometer of different heads to see what applies. They may not be obvious at first, but if we are alive to them, we are close to trying to put back the claimant, as much as can be done, to the position they would have been in ‘but for ‘the accident. Loss of congenial employment is no longer reserved for the concert pianist whose ability to play is affected, increasingly courts are recognising that the loss of a career that one loves, be it the pianist, policeman or indeed plumber is relative to the individual and can add anywhere between £5,000 and up to even £10,000 to a claim in certain cases.  It may not be something that immediately comes to mind but if an individual feels the loss of such a vocation, if it is important to them, it is certainly worth claiming, as recently case law suggests. Domestic care and assistance can be overlooked, or even underestimated by the claimant or those who provide it, but it is important to have that discussion with the client to see if it the possibility of it exists.  If supported by medical evidence, genuine care that is given over a period of time will have its own monetary value under this head. A Smith and Manchester [Smith v Manchester Corporation [1974]) award can in some cases amount to several months  of salary if there is a serious possibility that it will take the claimant longer than the average person to find a suitable job. Equally they may have a partial Smith and Manchester claim where they are working in a less well paid job and have a recognised and tangible risk of being thrown onto the open labour market again. All such heads may not be as far removed from each client as we might think and in gathering all these eggs into the one basket, the claimant may well come away with much more than anyone first realised, with their lawyer having the sometimes elusive , but immensely valuable sense , of a job well done.

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