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he foreign exchange market (forex or FX for short) is one of the most exciting, fast-paced markets around. Until recently, forex trading in the currency market had been the domain of large financial institutions, corporations, central banks, hedge funds and extremely wealthy individuals.

n one form or another, we all own insurance. Whether it's auto, medical, liability, disability or life, insurance serves as an excellent risk-management and wealth-preservation tool. Having the right kind of insurance is a critical component of any good financial plan. While most of us own insurance, many of us don't understand what it is or how it works.

Tuesday 12 April 2011

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Monday 11 April 2011

Forex Articles - 5142338 Profitable Expert Advisors - How To Spot The Real Deal

Introduction
In an ideal world, you could go to any Forex trading system website, pick out the latest profitable Forex expert advisors and know that it would deliver on all the promises that were made by the seller. Obviously, it's not so easy to find a Metatrader EA that actually delivers the goods these days, so how do you find truly profitable EAs in the midst of all the junk that is out there? By the end of this article, you'll know how to spot the profitable expert advisors that are the real deal.
Have you ever gone to a Metatrader expert advisor website that just reeked of being a scam? Typically, these sites are filled with all kinds of bells and whistles that will prey on your emotional weaknesses. One of the classic signs of a Metatrader EA scam are case studies of "beta testers" that made 300% in 3 weeks, 500% in 2 months and so on. It's a smart way for the seller to trumpet the possibility of large gains, while not actually promising you anything concrete. Of course, there's no Metatrader expert advisor in the world that can promise you an expected return, because that would be illegal. So if you see huge returns being "promised" in a matter of days, run.
Another classic sign of a Metatrader expert advisor scam is that the EA seller will try to convince you that their system has some kind of powerful predictive tool like neural networks or RCTPA that will guarantee you a high winning percentage. The truth is, there's no such thing as a Metatrader EA that can predict market movements, because markets are inherently unpredictable. They are affected by millions of factors including natural disasters, unforeseen events and national interests. There's no way a neural network can account for an Earthquake in Japan (and at the time of writing there has just been two in the space of a month) or Flooding in Australia in the height of summer. So again, if anyone talks about "predicting" the markets, forget about it.
Contrary to what the scam artists would have you believe, Profitable expert advisors do go through many losing trades, and they won't make you 200% returns in a matter of weeks. In fact, if you can find a profitable EA that gives you a 5-10% return a month, that's enough to set you up for life. If you consistently add to your account each month, and let your profits compound, then soon your trading capital will be producing a level of Forex trading income that will be enough to give you financial freedom.
So how do you find truly profitable expert advisors? It does take some work, but it's a lot better than wasting your time on scam Metatrader expert advisors, I can tell you that. First of all, you already know what the junk EAs look like, so you'll be left with a few good looking candidates of profitable EAs. I would recommend that you start with the most understated one: the one with the lesser hype and the smaller promises. Make sure that it has at least a 45 day money back guarantee, and run it on a demo account until you collect at least 30 trades with your potentially profitable expert advisor. That way you're not risking any real money until you're sure that you've got the real deal.
Profitable expert advisors are hard to come by, but now you're equipped with the inside knowledge of how to weed out the junk so you'll find one much faster than you would have otherwise. The most important thing in your search is to recognize that you need to verify the results for yourself before you trade it with real money. Once you have done that, then you can rest assured that you really do have a profitable EA on your hands.
I've been a full time Professional Forex Systems Developer since 2007. Forex trading is my passion, which is why I really love helping anyone to overcome their challenges and become profitable in their own Forex trading. If you're just getting started in trading Forex, or if you'd like to take your trading to the next level, I'd love to help!

Forex Articles - 5142338 - Forex Bill Killer Review - Is It Legitimate?

Is Forex Bill Killer a scam? This is a currency trading course that comes with many real time blueprints, 3 mechanical trading systems and sets of video tutorials that serves to educate its members on how to make money with the systems provided.
It has definitely attracted a lot of attention from the Forex industry when its owner first released his trading results to the FX trading community. I was certainly feeling excited when looking at his live trading results and got my hands on this trading system as soon as I could. So far, I have not been disappointed as it has fulfilled everything that was promised on its main website.
One of the most unique benefits about this program is the relatively higher accuracy trading rate as compared to other Forex systems that other traders have released before. On average, the typical accuracy trading rate of most currency trading systems is in the 60% to 70% rate, whilst historical results show this program being capable of getting at least 71% to 85% trading accuracy over the long term.
The most significant benefit of using this system is the fact that it has automated most of my trading assignments for me when I had to spend several hours doing all the chart analysis work on my own. Many Forex traders actually go into the process of trading thinking that it is all about gambling.
Forex trading certainly involves a certain degree of speculation, but if you have a some understanding of how the FX markets work, you will realize that the people making the most money from currency trading make highly educated guesses and know exactly why they make or lose money on every trade.
In short, they do not see it as gambling with luck since they know everything that happens which explain the moves in the currency market. The value of currencies fluctuate against one another every single day, and this is the financial market that produce the most gains if you learn how to trade it correctly with what it provided in this program.

Forex Articles - 5142338 - West African CFA Franc Appreciating Against US Dollar and Euro

While the political turmoil in Ivory Coast (Côte d'Ivoire) is still unresolved, the West African CFA franc (XOF) has been sent on an upward surge since Jan 2011. From a low of 1 USD = 508.73 XOF on 9th Jan 2011, the XOF has now appreciated to 1 USD = 460.04 XOF, or 1 CPF franc = 0.002174 US Dollar. This is a 9.57% increase within a short span of 3 months.
Note that the West African CFA franc (XOF) carries the same currency value as the Central African CFA franc (XAF), which is used commonly in some central Africa nations.
Most Forex traders would be questioning why the XOF does not depreciate despite the situation in Ivory Coast unfolding. Similar to the Euro, the XOF is a actually a currency shared by a grouping of countries, which also include Benin, Burkina Faso, Guinea-Bissau, Mali, Niger, Sénégal and Togo. Thus, while there may be impact on XOF by political uncertainties in Ivory Coast, it could be negated if the financial foundation of currency vis-a-vis the remaining 7 countries remain strong. In addition to that, the XOF is logically tied in value to the XAF (used by 6 central African nations), giving a further stabilising effort on the currencies of both XOF and XAF.
With Laurent Gbagbo currently negotiating a surrender, it is expected that Alassane Ouattara, the United Nations (UN) recognised elected new president of Ivory Coast will soon be able to inherit his administrative powers and bring about sweeping political and economic reforms. Assuming that none of the related countries sharing the XOF and XAF has more political uprising, the reforms that will be implemented by Ouattara, along with the international recognition and confidence in Ivory Coast will translate to the general region.
It is forecasted that the XOF and XAF will further appreciate and trade at 1 USD = 440.0 XOF by end of 2011, and to 1 USD = 430.0 XOF by middle of Jun 2012. While much of this is dependent on the political situation in Ivory Coast to be resolved soon, we are quietly confident that this will happen.
The unrest in Africa and Middle East had also dampened the appetite of global investors in corporate stocks of MNCs and government bonds. As such, it is widely expected for the price of gold to rise. Mali, one of the countries using XOF, is the world's third largest exporter in gold and along with the rest of the African nations, is likely to see strong income from gold export, further strengthening the currency of the XOF.

Japan Earth Quake - And Forex Market Effects & Drop Down Situation

Forex Articles-5142338 The Radioactive Effect Japanese Yen Has on US Dollar and Euro

When the massive earthquake measuring 9.0 on the richter scale first stuck Japan on 11th Mar 2011, most forex traders are expecting the Japanese Yen to depreciate against major currencies which include the US Dollar (USD) and the Euro (EUR). This was further reinforced by the decline in the NIKKEI stock index- after all, if people do not want to buy into Japanese stocks, there would be less demand for the Japanese Yen.
What surprised most traders however, was the sharp appreciation of the Japanese Yen in the aftermath of the disaster. The Japanese Yen was trading at 1 US Dollar (USD) = 83.0 Japanese Yen (JPY) on 11th Mar 2011. On 17th Mar 2011, the Yen has appreciated by some 5 percent against the US Dollar, rising to a peak of 1 US Dollar (USD) = 78.8489 Japanese Yen (JPY), or 1 Japanese Yen against 0.01268 US Dollar. To complicate things further, the Yen rose sharply after 17th Mar 2011 and now trades at 1 USD = 84.2863 Japanese Yen. Forex traders who panic sold on the Japanese Yen/US Dollar on 17th Mar and thereafter bought back the Yen are now staring at massive losses.
A similar story was encountered for JPY/EUR traders, where the JPY slumped to 1 EUR = 110.01 JPY before recovering to 1 EUR = 119.01 JPY.
The question remains on where the Yen will be heading next, and whether the continued failure by the Japanese Government to rein in the radioactivity at the Fukushima Nuclear Plant will have a long term effect on the Yen. Already, the long term credit rating for Japanese Government issued bond has been cut by Standard and Poor's (for the first time in 9 years) to AA-.
It is widely predicted that that the Japanese Yen will have a long term depreciation against the Euro and the US Dollar in the long term. This is based on the following analysis:
1. The clean up of the radioactive at the Fukushima Nuclear Plant will be a protracted effort. Besides the environmental considerations, the relocation of residents within the 20km radius zone will place a Hugh financial burden on the government.
2. The usage of less clean and more expensive power sources in the aftermath of the Fukushima Nuclear accident will further rein in government spending.
3. Impact on Japanese economy - in the medium term, it is unlikely for major investments to be made in Japan as the focus is more on restoring the public infrastructures and the confidence of the Japanese themselves to recover from the earthquake. It will take at least 2 years to fully restore the economic growth of Japan and bring certainty to foreign investors.
4. Already, interest rate is at the lowest ever in Japan, at close to absolute 0. In terms of fiscal and monetary policy, interest rate can no longer be used as a lever to encourage spending.
We forecast that the Yen will trade at 1 USD = 90 JPY by the end of year 2011 and thereafter further slide to 1 USD = 93 JPY by middle of 2012. Against the Euro, we maintain similar forecast of 1 EUR = 129.0 JYP by end of year 2011 and 1 EUR = 135 JYP by middle of 2012.
Hopefully, the slump of the Japanese will be medium term at most, and not have a half-life of the radioactivity that is plaguing the country now.

 

Forex Articls 5142338 - Points An Individual Should Know About Just Before Opening Up A FX Account

Forex or Foreign exchange has become much more visible in many business portfolios ever since small traders were given a chance to participate in the FX realm. Despite the presence of strain and the rigors of a regular job, a number of investors still desire to enter and profit from the Foreign exchange trading markets.
There are actually accessible Forex accounts that allows you to train your trading knowledge for 1 month with no threat. There are actually quotes, currency pairs, technical charts and analysis and 24 hr up-to-date news information with regards to your trading account.
The amount of the mini practice account is $5,000 while the conventional practice account costs $50,000.
The lowest commitment in a standard Foreign exchange account ranges from $5,000 up to $10,000.
Generally there are distinct types of forex accounts and many experienced traders keep not one but two or perhaps more accounts while trading. These types of accounts are principally categorized in accordance to how much funding a brokerage can invest. Generally there are about three types of Foreign exchange accounts, namely:
1. Mini account that is the best choice for novices whom possess an initial capital of less than $10,000. Basically, an individual is allowed to participate in Foreign exchange with only $250. Mini account may be a good commencing point which can build up the self-assurance of new and less seasoned traders in the sector. With only a small investment capital, one should not expect to have a substantial gain; nonetheless a person's income is susceptible to minimal dangers of loss.
2. Standard account that requires an original investment of $2,000.
3. Premium trading accounts with significant levels of cash necessary. These kinds of accounts may have diverse buying and selling products and services as well as equipment for innovation.
Along with the presence of all these varieties of accounts, it is worth stating that a good monitored Fx account can perform wonderful things in trading. A currency trader can gain a lot by simply deciding on a maintained account supported with good track records.
A part from all these facts, several benefits are worthy of referring to such as:
- Maintained Forex accounts can enable a trader take part in trading marketplace devoid of the headache of keeping track of it 24/7.
-Monitored accounts are really managed by specialists.
- You will discover maintained accounts which are not connected to the stock game, so assets may be additional varied.
- Greater return maximization may be probable within both slipping and mounting market segments.
- Investments are liquid and may be withdrawn frequently
- Monthly reports of account are generally readily available and there is realtime supervision of account.
Choosing a best account and investing in it presents a risk.
It is vital subsequently to be aware what steps are to take in order to minimize. Listed here are the handful of points to consider if launching a Forex account:
1. In registering for an account, identification is necessary; this can be required by the Federal government Regulation to prevent dupery. A trader will likely be requested to sign a margin understanding. Prepare the necessary files and browse the contracts totally to avoid confusions.
2. Test the practice or demo account to know the basics of Fx trading. You'll find brokers whom impulsively leap in to investing and rapidly suffer a loss of their cash. Spend some time and discover how the forex trading whole process works.
3. Steer clear of being emotionally charged when in a trade. Professionals have to stay with their judgments and never allow their emotions manipulate them.
FX can be considered as the greatest and most unique marketplaces in the world. Specific people, perhaps even inexperienced people get hooked on trading it. Just before beginning a Forex trading account, it really is needed to be informed in all the features involved with trading.
To assist you have a go at trading forex currency, go to forex bonus no deposit and sign up to get a totally free forex bonus.

The Easiest Way To a Forex Fortune - And How To Avoid a Huge Loss - Forex Articles Code - 5142334

The Easiest Way To a Forex Fortune - And How To Avoid a Huge Loss

 
Everyone seems to be jumping on the forex bandwagon because there is serious money to be made. However, here's a dirty little secret: the majority of people of people who start trading on the forex (foreign exchange) end up with a loss. Furthermore, a significant portion of these people end up with a HUGE loss.
The problem is that most people are using a technique(s) that is at least a step or two behind. The technique they are using may have worked really well in the past but the forex changes so rapidly it is difficult to keep up.
If you use forex software, it is usually designed after a successful forex strategy that USED TO work well but doesn't work as well at the time you use it. This problem can be reduced by using forex software that has a really real live human being behind it and is working with a really fast programmer who is updating the software at exceptionally fast and furious speed. However, it's almost never fast enough. In fact, I know of no software that updates fast enough to work all that well. I do know a few people who use top-rated software and they about break even.
If you've studied the forex strategies written by experts, there's a good chance that the information was out-dated the moment you received it. Then, by the time you read it and digest it and figure out how to implement it, it's REALLY outdated!
So what do you do?
How do you make money with forex?
How can you get around the problem of out-dated information in the fast paced every changing world of forex?
How can you receive real-time information that is based on techniques that are working right then and there?
The most honest answers to these questions is to find a way to copy an experienced and highly successful forex trader in real time. You want them to send you forex signals in real time (NO DELAYS!) and then you want to copy what they do in real time.
Now, I need to tell you that a quality service like this is as rare as a precious diamond. In fact, I only know of two services that send forex signals fast enough and from an expert who is fast enough on his feet to constantly adapt the ever-changing foreign exchange - to make it so you can copy what they do and make a lot of money.
If and when you do find a service like this, you need to understand how valuable and rare it really is and hop on that opportunity as quickly as you can because I predict this type of service won't be around forever.
I also highly recommend that you don't use real money to test the service but rather sign up for the service and then trade in a demo account for at least a month before you use real money. This will show you how good the signals are and it will help you drastically reduce risk.
I've really dug into this and here's the very best forex signal service I have found. The signals are sent in real time (no delays) and the person sending them is one of the best known forex trading experts out there.
You also get the added benefit of webinars that disclose WHY he's making the trading decisions he's making as you go along. So, you end up learning how to think like he does. Here's the link.

Forex Articles - 5142338 - 3 Major Problems With Automated Forex Software - And a Solution


If you are a really experienced forex trader, automated forex software can expedite your research and help you make better trades and more money. However, the problem is that most forex software is marketed to people who have very little to no experience trading forex. Those who sell this automated software would like these inexperienced traders to believe that they can make a lot of money using their software without knowing anything about forex.
If you are just beginning to learn about the foreign exchange and even if you know a little but you aren't an advanced trader, I highly recommend you stay away from automated forex software. I think all you'll get out of it is a boat load of problems and the probability that you'll lose a significant portion (if not all) of your investment is quite high.
Here are 3 major problems with automated forex software:
No software is really FULLY automated. Before you start using the software, you will be asked to "configure" it. You will be setting preferences and you will be asked to make several choices. Here's the problem. This set-up assumes you already know quite a bit about forex. If you don't, you will not be able to make intelligent decisions. Remember also the old expression, "A little knowledge is often more dangerous than no knowledge." Just because you've studied up doesn't mean you really know enough to make good decisions regarding the set-up of the software. Forex is a VERY complicated topic. Frankly, unless you are an advanced trader, you probably don't know enough to make wise choices.
Most automated forex software systems are created by a partnership between an experienced trader who has developed some sort of winning forex strategy and a programmer who can automate that strategy. Sounds good, right? Well wait, there's a major problem. To develop the software, the programmer takes OLD data based on OLD trades and "backtests" the software. However, the foreign exchange is in a never ending state of flux and what worked well in the past probably isn't going to work well in the future. This is simply not something you can rely heavily on to make FUTURE trades.
I probably can't emphasize this enough to make it really sink in but I want to try to save you from making a big mistake. The forex market is EXTREMELY volatile - VOLATILITY is what makes it so profitable if you're an advanced trader but it is also the main reason most people lose their investment. The better software attempts to remedy this problem by providing frequent updates, aka "software patches" (some manual, some automatic). However, it's never quite fast enough to really keep up. Also, no matter how well the software is programmed, no matter how good the strategy was that the software is based on, it can not be programmed to deal with every unexpected news event that affects the forex market. It is quite common to see the foreign exchange go on a roller coaster ride or follow a totally unexpected pattern after such a news event.
For the 3 reasons above, it is best not to use automated software unless you are an advanced trader, and even then, it is best to just use it as a tool - i.e. you don't want to rely too heavily on it for your trading decisions.
The best solution to these problems with software is to not use automated software at all. If you are new to forex trading or you are at the intermediate level, you would be much better off getting real-time forex signals from an experienced forex trader with YEARS of a winning track record and following what they do. If you follow a really good forex trader, you'll see how they adapt to the ever-changing market and how they deal with unexpected news events. You'll learn as you follow along and you'll make some really good money while you learn.
I always recommend that you first test the forex signals you are being sent in a demo account for at least a month or so. This will ensure you are dealing with signals that are profitable (and you can judge HOW profitable) and you will substantially reduce risk by doing so.
Now, there are only TWO advanced forex traders that offer forex signals in REAL TIME (fast enough that you can easily copy them). I have tested both.
This one is the best - by far the best. There are no delays in the signals sent, they have proven to be very profitable, and they are being sent by one of the best known forex trading experts out there.
You also get an incredible bonus: frequent webinars (if you aren't there for the live webinar, you can watch the video) that explain in detail WHY he's making the trading decisions he's making as you go along. This is the best way to learn how to think like he does. Here's the link.

Forex Articles Code 5142338 - Increase Your Forex Earnings - How Does it Work?



Forex&Insurance

Trade and commerce have always been mechanisms using which human beings have dealt with and made profit. The Foreign exchange is not different at all. You must be familiar with the barter system that existed where people bought things by exchanging other things they had with them. A similar principle is followed here, with the exception that the trade happens using the various currencies in the world.

If you want to make some extra money and are willing to go that extra mile, this is your sphere as all you require is a calm mind and strategies. Make sure you do not go over the top and invest all that you have into this. It needs plenty of study and dedication from your side. It is wise to first understand the proceedings and learn how things happen in this realm and then start investing. This way you will accumulate skills and will be able to manage the amount in your hand very well.
For increased Forex earnings, the first thing you need to keep in mind is being thrifty. Make sure you know what you are doing. You have to remember that if you want to trade make sure you get a marginal hundred points at least to go further. This will reduce loss on your side and you will learn to go the right manner.
There is a lot of material to guide you through this process of increasing your Forex earning. It is not possible for you to sit glued to the computer trying to figure out how to trade as you will have your ordinary routine to look after. This is why you need to take help from software that is available. This way you can go about your normal routine and some time in between you can spend time on the statistics that have been collected. Based on this you can take your vital decisions.
It is alright to make mistakes. But there is no point in brooding over what has happened, instead you need to learn what went wrong and try to correct it and thereby increase your Forex earning. Wish you a happy trading ahead.
If you'd like to try an Automated Forex Robot that has been proven on video to double the deposit of my trading account in under 1 week, visit - Eforex-Forex/Click-Here/.

Thursday 7 April 2011

Discuss In Detail About Personal Injury Claim By LT Shahid


Personal injuries

This information applies to England, Wales and Northern Ireland


What is a personal injury

A personal injury can be:
  • a physical injury, disease or illness, or
  • a psychological injury or illness.
A personal injury could result in death.
Examples of personal injuries are:
  • an injury at work. This includes work-related illnesses such as a disease caused by working with asbestos
  • a psychological illness caused by stress at work
  • an injury caused in a traffic accident
  • an injury received as a result of faulty goods or services
  • an injury caused if you trip over paving stones
  • a psychological illness suffered as a result of abuse as a child
  • an injury caused by errors in hospital treatment or by vaccinations
  • an physical or psychological injury sustained by a victim in the course of a crime
  • a psychological illness caused by discrimination or harassment in your work-place.
If you have suffered a personal injury, or if you are acting on behalf of someone who has died because of a personal injury, you may want to consider the following:
  • do you want to make a complaint to the person or organisation you believe was responsible for the injuries (see under heading Making a complaint)
  • do you want to make a claim for compensation to cover losses you have suffered as a result of the injury (see under heading Compensation)
  • are there any immediate financial problems arising because of the injury, for example, you are unable to work (see under heading Financial problems)
  • do you want to contact an organisation that could offer support or counselling (see under heading Support and counselling).

Action to be taken

Whatever you are intending to do about your personal injury, actions you could take include:-
  • inform the police if, for example, the injury resulted from a road accident
  • if the injury resulted from a road accident, report it to your insurance company. The insurance policy may be invalid if an accident is not reported
  • report the injury to your doctor because it could become more serious. You should do this even if the injury seems minor. If you subsequently go to court to get compensation for the injury, the doctor will be asked to provide a medical report
  • gather evidence about the accident and injuries. For example, it may be useful to take photographs of the scene of an accident and of what caused the injury. You should also, if possible, write an account of the incident while details are still fresh in your mind. If there are witnesses, you should make a note of their names and addresses.

Accidents at work

If the accident happened at work, it should be recorded in an accident book. If your workplace does not have an accident book, you should write out brief details of the accident and injuries, send them to your employer and keep a copy. Your contract may say that you have to report an injury at work to your employer. If you are self-employed, you have a legal responsibility to report some accidents resulting in injury to the Health and Safety Executive (HSE) or to the local authority environmental health department. In England and Wales, there is more information about reporting accidents to the HSE on its website at (New window) www.hse.gov.uk.

Making a complaint

If you have had an accident or suffered an injury you might be able to get an explanation of what went wrong and to receive an apology. In some cases, there may be an official complaints procedure you can use.
One disadvantage of using complaints procedures is that they are often time consuming and the final result will be no more than an apology. If you have suffered a personal injury and you also want compensation, you should be aware that there are time limits for taking legal action (see under heading Taking legal action) and going through a complaints procedure may delay matters.
If you decide that making a complaint will provide a sufficient remedy, here are some examples of the organisations you can complain to:
  • a government department
  • a local authority
  • your employer
  • the police
  • your school or other educational institution
  • your hospital or other National Health Service institution
  • In Wales, new NHS Redress Arrangements which start from 1 April 2011, may allow you to combine making a complaint with claiming compensation.
If you want more information about how to complain to these types of organisations, you should seek specialist advice from an experienced adviser, for example, a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by email, click on (New window) nearest CAB.

Compensation

There are several ways of getting compensation for a personal injury:

Amount of compensation

If you have sustained a personal injury you may be able to claim two types of compensation, general damages and special damages.
General damages are paid as compensation for an injury, for example, a payment for pain and suffering or loss of future earnings. The court will decide on the amount to be paid.
Special damages are paid as compensation for actual financial loss caused by the accident up to the date of the hearing. These can include damage to clothing or other belongings, the costs of care, travel costs to hospital, medical expenses (including the cost of private treatment) and the cost of hiring and/or repairing a car if it has been damaged in the accident.
If a court decides that you were partly to blame for the accident, it may reduce the amount of damages you receive. An example of this would be if you were not wearing a seat belt when you were involved in a traffic accident.
In England and Wales, for more information about claiming compensation for personal injury, see Claiming compensation for personal injury – no win, no fee agreements in Legal fact sheets.

Deduction of social security benefits from compensation

If you have been receiving certain social security benefits because of an accident in which you sustained a personal injury, you may have to pay these back out of any compensation you get.
The rules about deduction from benefits are complex and if you think you may be affected you should seek specialist advice from an experienced adviser, for example, a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by email, click on (New window) nearest CAB.

Claims assessors

If you have sustained a personal injury you may be considering using the services of a claims assessor (sometimes known as a claims manager). Claims assessors offer to take up cases on a ‘no win, no fee’ basis but there may be some disadvantages, including:-
  • a claims assessor will not usually be a solicitor and may not have a solicitor taking responsibility for the case. If this is so, the assessor will not be able to claim compensation through the courts and if you have suffered the injury you may receive less compensation
  • the claims assessor may ask you to pay a percentage of whatever compensation you receive to the assessor. You should be aware that while paying 50% of £1,000 damages may be acceptable to you, paying 50% of £10,000 may not.
All claims assessors must be authorised by the government to carry out business. They must stick to a strict set of rules which cover how they advertise, take on business, deal with and represent clients.
If you aren't happy with the service you get from a claims assessor, you can make a complaint. They must have an internal complaints procedure which they must tell you about.
Before you use a claims assessor, you should check that they are authorised. You can report a claims assessor who isn't authorised to the Claims Management Regulation Monitoring and Compliance Unit by phone on: 0845 450 6858, or by email at: info@claimsregulation.gov.uk.
To find out more about the rules covering claims assessors and to check whether a claims assessor is authorised, go to (New window) www.claimsregulation.gov.uk/consumer.
If you are considering using a claims assessor you should first seek advice from an experienced adviser, for example, a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by email, click on (New window) nearest CAB.

Taking legal action

If you want to take legal action to claim compensation for a personal injury you will need to get advice from a solicitor specialising in these types of cases. This must be done as soon as possible as there are strict time limits on taking legal action (see below).

Time limits

There are different time limits within which you must begin legal action in a personal injury claim. You should therefore get legal advice urgently if you wish to claim compensation.
The most common claim in a personal injury case is negligence and the time limit for this is three years. This means that court proceedings must be issued within three years of you first being aware that you have suffered an injury.
In some cases, a court may decide to extend a time limit, depending on the circumstances of the case.
If you are considering taking legal action and have not yet been to a solicitor you will need to be aware of the time limits for taking action and should seek help from an experienced adviser, for example, a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by email, click on (New window) nearest CAB.

Paying for legal action

Legal action for compensation for a personal injury can be expensive. You may be able to get help with legal costs from, for example:-
  • a solicitor or organisation providing legal aid
  • For more information about legal aid, see Help with legal costs.
  • a conditional fee agreement (see below)
  • a trade union or other membership organisation such as the AA or RAC
  • an insurance policy. Many house contents policies, car insurance or travel insurance policies have legal expenses cover attached.

Conditional fee agreement

A conditional fee agreement means that your solicitor will receive no fees if you lose your case. You may, however, have to pay the legal fees and expenses of the other side. Your solicitor will normally ask you to take out insurance to cover this situation. If you win your case, your solicitor's fees and expenses will normally be paid by the other side.
For more information about conditional fee agreements, see Using a solicitor.
If you are considering taking legal action and you have not yet been to a solicitor you may want to seek advice about possible sources of help with legal costs from an experienced adviser, for example, a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by email, click on (New window) nearest CAB.

Choosing a solicitor

If you want to take legal action over a personal injury you should consult a solicitor who is a member of the Law Society’s personal injury accreditation scheme or clinical negligence accreditation scheme, depending on the nature of the injury. The Law Society can give details of solicitors on these accreditation schemes and can be contacted at:
113 Chancery Lane
London
WC2A 1PL
Tel: 020 7242 1222
Fax: 020 7831 0344
Email: info.services@lawsociety.org.uk
Website: (New window) www.lawsociety.org.uk
The Law Society of Northern Ireland has a list of solicitors specialising in particular areas. This list can be obtained from:
The Law Society of Northern Ireland
Law Society House
98 Victoria Street
Belfast
BT1 3JZ
Tel: 028 9023 1614
Fax: 028 9023 2606
Email: info@lawsoc-ni.org
Website: (New window) www.lawsoc-ni.org

Association of Personal Injury Lawyers (APIL)

The Association of Personal Injury Lawyers (APIL) is a not-for-profit association of solicitors, barristers and academics who specialise in personal injuries work. Many lawyers belonging to APIL are part of an accreditation scheme. The accreditation scheme guarantees members are competent in a particular field of personal injury. Accredited lawyers from Senior Litigator level upwards have at least five years' experience of dealing with personal injury claims. All APIL members promise to follow a code of conduct and a consumer charter. They may be useful in helping you find a solicitor who can deal with your case. You can find out more about APIL at:
11 Castle Quay
Nottingham
NG7 1FW
Helpline: 0870 609 1958
Tel: 0115 958 0585
Fax: 0115 958 0885
Website: (New window) www.apil.org.uk

Motor Accident Solicitors Society (MASS)

The Motor Accident Solicitors Society (MASS) is an association of solicitors experienced in dealing with personal injuries resulting from motor accidents. Participating solicitors provide a free initial consultation. MASS can be contacted at:-
St Bartholowmews Court
18 Christmas Street
Bristol BS1 5BT
Tel: 0117 925 9604
Email: office@mass.org.uk
Website: (New window) www.mass.org.uk

Motoring organisation members

If you have sustained an injury as a result of a traffic accident and you are a member of a motoring organisation, for example, the AA or RAC, you may be able to get specialist legal advice through that organisation.

Trade union members

If your injury resulted from an accident, unsafe working practices or discrimination at work, contact your trade union if you are a member. The union may instruct solicitors to take legal action on your behalf and you will not have to pay for this.

Criminal Injuries Compensation Authority

If you have been injured as a result of a criminal act you may be able to claim compensation through the Criminal Injuries Compensation Authority (Criminal Injuries Compensation Agency in Northern Ireland). You may have been the direct victim of, for example, an assault or your injury may have been sustained when you were attempting to help the police after a crime had been committed. A close relative of a person who died because of injuries can also make a claim.
You must report the incident to the police at the earliest opportunity and an application must normally be made within two years of the incident. However, in exceptional circumstances, the authority may be willing to extend this limit. An example would be if you are making a claim for abuse you suffered as a child.
A request for compensation must be made on an application form, which can be obtained from:-
Criminal Injuries Compensation Authority
Tay House
300 Bath Street
Glasgow
G2 4LN
Tel: 0141 331 2726/0800 358 3601
Fax: 0141 331 2287
Website: (New window) www.cica.gov.uk
The Criminal Injuries Compensation Agency in Northern Ireland
Royston House
34 Upper Queen Street
Belfast
BT1 6FD
Tel: 028 9024 9944
Fax: 028 9024 6956
The details of the crime and injuries that must be entered on the claim form are important and if you are completing the form you may want to consult an experienced adviser, for example, a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by email, click on (New window) nearest CAB.

Criminal compensation orders

A person convicted of a criminal offence may be ordered by the court to pay compensation for an injury, loss or damage they have caused to someone else by committing the offence. If you are the person who has sustained the injury or loss you cannot apply for this yourself, so it is important that you give the prosecution full and accurate information about the injuries and losses to put before the court.
The amount of compensation will depend on what the offender can afford to pay, but the maximum is £5,000.If a criminal compensation order is made, the court will be responsible for making sure the offender pays.

Special compensation schemes

There are a number of special compensation schemes for some injuries and losses.
For example, people who have contracted HIV when receiving treatment for haemophilia can claim payments from the MacFarlane Trust and compensation from the Government.
People who have suffered damage as a result of vaccinations could make a claim to the Vaccine Damage Payment Unit. For more information, go to: (New window) www.direct.gov.uk.
There are special schemes for people suffering from an asbestos-related disease. For example, if you were injured by working with asbestos, you may be able to claim Industrial Injuries Disablement Benefit as well as being able to make a civil claim against your employers. You may have contracted an asbestos-related disease in another way – for example, by washing the clothes of a family member. In this case, you can make a claim for a special one-off payment from the Government. There are time limits to make these claims. For more information, go to: (New window) www.direct.gov.uk.
For more information about Industrial Injuries Disablement Benefit, see Benefits for people who are sick or disabled.
A specialist solicitor will advise you about whether there is a compensation scheme available for your injury and will advise you whether it's best to apply for compensation under the scheme or whether it's best to make a civil claim.

NHS Redress Arrangements in Wales

In Wales, new NHS Redress Arrangements from 1 April 2011 will mean you may be able to combine making a complaint with claiming compensation.
These arrangements will apply If your complaint is about services provided by, or on behalf of, a Local Health Board or a National Health Service Trust in Wales.
For more information about these arrangements contact your Community Health Council (CHC). To find your nearest CHC, go to: (New window) www.wales.nhs.uk.

Financial problems

If you are having financial problems as a result of a personal injury you sustained in, for example, an accident or an incident of violent crime, you may need to consult a specialist money adviser for help with debt and benefits.
You may need financial advice because a member of your family has been injured or killed in an accident or as the result of a crime. You may be able to claim compensation for the loss of financial support. You may be entitled to other help, for example, financial help to pay for the funeral.
If you are experiencing financial problems because of a personal injury you or a member of your family has sustained you should consult an adviser, for example, a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by email, click on the (New window) nearest CAB.

Support and counselling

There are a number of voluntary organisations and schemes that may be able to give support if you have been injured, or your partner, friend or relative has been injured or killed.

Action against Medical Accidents (AvMA)

AvMA can provide information, support and referral to solicitors if you are the victim of a medical accident. AvMA has a panel of medical experts prepared to give independent opinions.
44 High Street
Croydon
CRO 1YB
Helpline: 08451 23 23 52
Fax: 020 8667 9065
Email: admin@avma.org.uk
Website: (New window) www.avma.org.uk

Centre for Corporate Accountability and the Work-related Death Advice Service

This is a free and independent advice service to families and friends bereaved as a result of a work-related death. They will help you to make sure that the death is properly investigated and subject to proper scrutiny by the prosecuting bodies. They provide advice in relation to deaths resulting from the activities of both private companies and public bodies, such as local authorities and hospitals.
Fourth Floor,
197/199 City Road
London
EC1V 1JN
Tel: 020 7490 4494
Fax: 020 7490 7191
E-mail: advice@corporateaccountability.org
Website: (New window) www.corporateaccountability.org

Disabled Living Foundation

The Disabled Living Foundation gives advice and information about equipment available for people with disabilities.
380-384 Harrow Road
London
W9 2HU
Tel: 020 7289 6111
Helpline: 0845 603 9177 (Mon-Fri 10am-4pm local rate)
Fax: 020 7266 2922
Email: info@dlf.org.uk
Website: (New window) www.dlf.org.uk

In Northern Ireland

Regional Disablement Services
Musgrave Park Hospital
Green Park Hospital Trust
Stockman's Lane
Belfast
BT9 7JB
Tel: 028 9066 9501
Fax: 028 9038 2008

Disaster Action

Disaster Action was set up by a group of survivors and bereaved people from major disasters in both the UK and overseas. They aim to:
  • offer support to those directly affected by major trauma
  • raise awareness of the needs of survivors and the bereaved
  • help to create a safety climate in which disasters are less likely to occur.
They publish a series of leaflets called 'When disaster strikes', which is available from their website. Contact details are:
No 4
71 Upper Berkeley Street
London
W1H 7DB
Tel: 01483 799066
E-mail: pameladix@disasteraction.org.uk
Website: (New window) www.disasteraction.org.uk

Self-help groups

A number of self-help groups have been set up for people who have been injured by, for example, unsafe medicines. You can find the contact details of many self-help groups at: (New window) www.direct.gov.uk.

Headway – the brain injury association

Headway supports people with brain injuries and their carers. It also campaigns for improvements in health and social care services. It runs a helpline, and can provide a list of solicitors who specialise in brain injury cases.
Bradbury House
190 Bagnall Road
Old Basford
Nottingham
NG6 8SF
Helpline: 0808 8002244
Tel: 0115 924 0800
Fax: 0115 958 4446
Email: helpline@headway.org.uk
Website: (New window) www.headway.org.uk

Medical Foundation for the Care of Victims of Torture

The Foundation provides medical care, counselling and therapy to people who have suffered an injury as a result of torture. It sets up self-help groups and can examine patients, for example, to provide forensic evidence of torture injuries. The organisation can be of use to people who are applying for asylum.
111 Isledon Road
London
N7 7JW
Tel: 020 7697 7777
Fax: 020 7697 7799
E-mail: info@torturecare.org.uk
Website: (New window) www.torturecare.org.uk

MIND (National Association for Mental Health)

MIND promotes the interests of people suffering from mental illness or distress and provides advice and advocacy services. .In England, contact:
Granta House
15-19 Broadway
London
E15 EBQ
Tel: 020 8519 2122
Helpline: 0845 766 0163 (Mon-Fri. 9.15am-5.15pm)
Email: contact@mind.org.uk
Website: (New window) www.mind.org.uk
In Wales, contact:
Mind Cymru
3rd Floor, Quebec House
Castlebridge
5-19 Cowbridge Road East
Cardiff
CF11 9AB
Tel: 029 2039 5123
Fax: 029 2034 6585
Helpline: 0845 766 0163 (Mon-Fri. 9.15am-5.15pm)
E-mail: contact@mind.org.uk
Website: (New window) www.mind.org.uk

NIAMH (Northern Ireland Association for Mental Health)

NIAMH promotes the interests of people suffering from mental illness or distress and provides advice and advocacy services.
Beacon House
80 University Street
Belfast
BT7 1HE
Tel: 028 9032 8474
Fax: 028 9023 4940

Organisations for people who have been raped or sexually abused.

There are a number of organisations offering help and advice to people who have been raped or sexually abused. For example, Rape Crisis provides co-ordination for the national network of Rape Crisis Centres across England and Wales. Rape Crisis Centres provide a range of specialist services for women and girls who have been raped or experienced another form of sexual violence, whether as adults or as children. Their website address is: (New window) www.rapecrisis.org.uk.
Survivors UK is an organisation which provides information, support and counselling for men who have been raped or sexually abused. Their website address is: (New window) www.survivorsuk.org.

Women’s Aid

Women’s Aid provides advice, information and sometimes temporary refuge for women and their children who are threatened by mental, emotional or physical violence, harassment or sexual abuse.
In England, contact:
PO Box 391
Bristol
BS99 7WS
Helpline: 0808 200 0247 (24 hours)
Website: (New window) www.womensaid.org.uk
In Wales, contact:
Helpline: 0808 200 0247 (24 hours)
Website: (New window) www.welshwomensaid.org
In Northern Ireland, contact:
129 University Street
Belfast
BT7 1HP
Helpline: 0800 917 1414 (24 hours)
Website: (New window) www.womensaidni.org

Roadpeace

Roadpeace provides emotional and practical support to anyone bereaved or injured in a road crash. It also promotes public awareness of road dangers, and campaigns for justice for victims.
G4b Shakespeare Business Centre
245a Cold Harbour Lane
Brixton
London
SW9 8RR
Helpline: 0845 450 0355
Helpline e-mail: Helpline@roadpeace.org
Website: (New window) www.roadpeace.org

Victim Support

Victim Support offers information and support to all victims of crime, except theft of, or from, cars and child abuse in the family. There are local schemes.

Victim Support (England and Wales)

Hallam House
50-60 Hallam Street
London
W1W 6JL
Tel: 020 7268 0200
Victim Supportline: 0845 303 0900 (Mon-Fri 9am-9pm; Sat-Sun 9am-7pm; bank holidays 9am-5pm)
Fax: 020 7268 0210
E-mail: supportline@victimsupport.org.uk
Website: (New window) www.victimsupport.org.uk

Victim Support (Northern Ireland)

3rd Floor,
Annsgate House
70-74 Ann Street
Belfast
BT1 4EH
Tel: 028 9024 4039
Victim Supportline: 0845 303 0900 (Mon-Fri 9am-9pm; Sat-Sun 9am-7pm; bank holidays 9am-5pm)
Fax: 028 9031 3838
E-mail: info@victimsupportni.org.uk
Website: (New window) www.victimsupport.org.uk

 
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