Personal Injury Claims Care UK

Who We Are

Personal Injury Claims Care is a national claims management service operated by DM Claims Limited, authorised and regulated by the Financial Conduct Authority (FCA). We help injured people across England, Scotland, and Wales access expert legal representation quickly, simply, and affordably.

We connect claimants who have been injured through no fault of their own with our panel of highly experienced personal injury solicitors regulated by the Solicitors Regulation Authority (SRA). Our panel includes solicitors who specialise in complex areas of personal injury law, from catastrophic injury to road traffic accidents and workplace claims.

Since our founding, we have handled over 4,000 personal injury claim enquiries. Every person who contacts us receives free guidance, honest advice about the merits of their case, and if they choose to proceed, a seamless introduction to the right specialist for their specific circumstances.

What is a Personal Injury Claim?

A personal injury claim is a legal process through which a person who has been injured physically or psychologically due to another party's negligent actions or inactions seeks financial compensation from the party responsible. The injured person is known as the claimant. The party whose negligence caused the injury is known as the defendant.

For a personal injury claim to be eligible, three legal elements must be established:

1. First, the defendant must have owed the claimant a duty of care. This is a legal responsibility to ensure the claimant's reasonable safety. This applies in the workplace, on the roads, and in public areas.
2. Second, the defendant must have breached that duty through negligent behaviour or a failure to act.
3. Third, that breach must have directly caused the claimant's injury, whether this be physical or psychological.

Compensation for your injuries is awarded under general damages. Legal professionals can use the Judicial College Guidelines to help them value this, as it sets out guideline compensation brackets for different types and severities of injury. Special damages may also be awarded for the financial losses suffered due to the injuries, such as lost earnings, care costs, and medical expenses.

Types of Personal Injury Claims We Handle

Our panel of solicitors handles a full range of personal injury claims. Each claim type below links to a dedicated guide where you can learn more about your specific circumstances.

Accident at Work Claims

Every employer in the UK has a legal duty under the Health and Safety at Work etc. Act 1974 to provide a safe working environment. If your employer breached that duty and you were injured as a result, you could be entitled to bring an accident at work claim.

Common workplace injuries include:

• Manual handling injuries
• Falls from height
• Machinery accidents
• Repetitive strain injuries
• Factory accidents.

Making a claim will not cost you your job. Employers are legally required to hold employers' liability insurance, meaning your compensation is paid by the insurer, not your employer directly.

Road Traffic Accident Claims

If you were injured as a driver, passenger, motorcyclist, cyclist, or pedestrian due to another driver's negligence, you may be entitled to compensation. All road users have a duty of care to use the roads safely. They must also adhere to the rules and regulations within the Road Traffic Act 1988 and the Highway Code.

Road traffic accident claims cover a wide range of injuries, including:

• Whiplash
• Back and neck injuries
• Soft tissue damage
• Head injuries
• Psychological trauma such as post-traumatic stress disorder.

Our panel of solicitors deal directly with the defendant's insurer on your behalf.

Accident in a Public Place Claims

When you are in a public space, the occupier (party in control) needs to ensure your reasonable safety, per the Occupiers' Liability Act 1957.

Injuries could be sustained in:

• Shops
• Restaurants
• Leisure centres
• Car parks
• Cafes
• Parks
• Libraries
• Public paths

Our panel of solicitors are experienced in gathering CCTV evidence, obtaining incident reports, and building strong public liability cases against both private businesses and public authorities.

Fatal Accident Claims

Fatal accident claims can be made by the deceased's estate and certain qualifying relatives if the deceased died due to the negligent actions of another party. What each party can claim for varies. However, compensation can include bereavement damages, funeral costs, and the value of the deceased's services to the family.

Our panel of solicitors approach these profoundly difficult cases with the care and sensitivity they require.

How Are Personal Injury Claims Calculated?

The value of a personal injury claim is calculated by your solicitor with reference to two distinct heads of damages: general damages and special damages. Understanding both helps you appreciate the full scope of what you may be entitled to claim.

General Damages

General damages compensate you for the pain, suffering, and loss of amenity caused by your injuries. Loss of amenity refers to how your injuries have affected your hobbies and enjoyment of life.

This head of claim covers both physical injuries, such as fractures, and psychological injuries, including anxiety, depression, and post-traumatic stress disorder arising from the accident.

The value of general damages can be assessed by legal professionals by making reference to the Judicial College Guidelines, alongside medical evidence, as it lists compensation guidelines for a range of injuries.

An independent medical expert will examine you and produce a medico-legal report that forms the primary basis for valuing this part of your claim.

Special Damages

Special damages compensate you for the specific, quantifiable financial losses you have incurred as a direct result of your injuries.

Unlike general damages, special damages must be evidenced with documentation such as receipts, invoices, payslips, and medical records. Common heads of special damages in personal injury claims include:

• Loss of earnings for time off work due to your injuries
• Future loss of earning capacity if your injuries affect your ability to work long-term
• The cost of past and future medical treatment
• Rehabilitation and physiotherapy costs
• Prescription and medication costs
• Travel expenses to medical appointments
• The cost of care provided at home, and
• The cost of adaptations to your home or vehicle made necessary by your injuries.

Your solicitor will work to ensure that every head of both general and special damages is fully identified, evidenced, and claimed, so that you receive the maximum compensation your case supports.

How Does No Win No Fee Work?

All of the personal injury solicitors on our panel operate under a Conditional Fee Agreement, which is a type of No Win No Fee arrangement. This means you will never be asked to pay any upfront solicitor service fees, and if your claim is unsuccessful, you will not owe your solicitor anything for their work.

If your claim succeeds, your solicitor's fee takes a success fee, which is deducted from your compensation. The success fee is capped at 25%, ensuring you always retain the majority of your award.

How The Personal Injury Claims Process Works

The personal injury claims process can seem daunting, but our team is here to make every step as clear and straightforward as possible. Here is what you can expect from start to finish.

1. Free case assessment: Contact us by phone on 0330 0433679, through our online claim form, or by requesting a callback. Our advisors will listen to the details of your accident, assess whether you have a valid personal injury claim, and give you honest, obligation-free advice on your legal options.
2. Instructing your solicitor: If your claim has merit, we will introduce you to the most appropriate solicitor from our panel. Your solicitor will take a full statement, explain the claims process, and set out the terms of your No Win No Fee agreement clearly before any work begins.
3. Gathering evidence: Your solicitor will collect all evidence needed to build and value your claim. This includes accident reports, witness statements, and medical records.
4. Notifying the defendant:  Your solicitor will formally notify the at-fault party or their insurer of your claim.
5. Negotiation and settlement: The large majority of personal injury claims are settled out of court. Your solicitor will negotiate with the defendant's insurer to secure the maximum possible compensation award. No settlement offer will be accepted without your informed consent.
6. Receiving your compensation:  Once your claim is settled or judgment is entered in your favour, your compensation is paid. Your solicitor will provide a clear financial statement showing your gross award, the success fee deduction, any disbursements, and the net amount paid to you.

What is the Time Limit for Making a Personal Injury Claim?

The time limit for personal injury claims in England and Wales is set by the Limitation Act 1980. In most cases, you must issue court proceedings within three years of the date of the accident that caused your injury. If you fail to issue proceedings within this period, your claim will become statute-barred, and you will lose your right to compensation permanently.

There are important exceptions to the standard three-year rule that every claimant should be aware of. Where the injured person was under the age of 18 at the time of the accident, the three-year limitation period does not begin until their 18th birthday. A parent or legal guardian may act as a litigation friend to bring the claim on the child's behalf at any time prior to their 18th birthday.

Where a person lacks the mental capacity to manage their own legal affairs either as a result of the accident itself or a pre-existing condition, the limitation period is suspended indefinitely until they recover capacity, if they ever do. A litigation friend may act on their behalf at any time during this period.

We strongly recommend seeking legal advice as soon as possible after an accident, regardless of how much time remains. Evidence deteriorates, witnesses become harder to trace, and CCTV footage is routinely overwritten within days or weeks of an incident. Acting promptly always strengthens a claim.

Why Choose Personal Injury Claims Care?

FCA-authorised and regulated

Personal Injury Claims Care is a trading name of DM Claims Limited, authorised and regulated by the Financial Conduct Authority (FCA). Our service operates under strict FCA conduct rules designed to protect consumers, giving you confidence that you are working with a legitimate, accountable organisation.

Access to a specialist panel of solicitors

Our panel is made up of highly experienced personal injury solicitors regulated by the Solicitors Regulation Authority (SRA), some of whom specialise in the most complex areas of personal injury law, including catastrophic injury and fatal accidents. We match each claimant with the solicitor from our panel best suited to their specific type of claim.

Over 4,000 claim enquiries handled

Since our founding, we have helped scores of people across the country take the first steps towards securing the compensation they deserve. Our track record reflects our commitment to matching claimants with the right legal expertise and ensuring every case is treated with the care and attention it deserves.

Nationwide coverage

We provide personal injury claims support across the whole of England, Scotland, and Wales. Regardless of where your accident occurred or where you are based, our panel of solicitors can represent you.

Kept informed at every stage

Clear, consistent communication is central to our service. Your solicitor will update you at every significant stage of your claim, explain your options in plain English, and ensure that no decision is made without your knowledge and consent.

Available 24 hours a day

Our helpline is open around the clock, every day of the year. Call us free on 0330 0433679 at any time, including immediately following an accident.

Start Your Personal Injury Claim Today

If you or a loved one has been injured through no fault of your own, you could be entitled to compensation for your pain, suffering, and financial losses. Personal Injury Claims Care is here to help you secure the justice you deserve on a No Win No Fee basis.

To get started, call our free 24-hour helpline on 0330 0433679, complete our online claim form, or request a callback at a time that suits you. Our advisors will assess your case for free, with no obligation to proceed. We will guide you through every step of the personal injury claims process in plain English, from your first contact with us to the moment your compensation is paid.