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Accident Claims Calculator – How Much Compensation Could You Be Entitled To?

The claims industry in the UK has been going pretty strong for a fair few decades. An official road traffic accident claims portal (claimsportal.org.uk) has been designed which allows Solicitors and Claims Management Companies (CMC’s) to run claims in a similar manner, resulting in a fairly set way in which damages are calculated.

Whilst whiplash claims form the majority of all motor claims made, the reality is that you could be injured anywhere after an accident.

I’m going to take you through a guide, which after reading, should hopefully give you a better idea of what kind of compensation you could receive.

This guide on injury calculations is a broad example of compensation amounts. Any exact compensation would be based on the injury specific to that individual and similar accidents can result in different consequences and losses.

Right – Let’s start at the top!

Head and Neck – head and neck injuries can vary dramatically and we would always strongly recommend you speak to an expert when a head injury is concerned. Guide prices for compensation are as follows; brain damage (£9,875 – £257,750), minor head injuries (£1,400 – £8,100), cheek bone injury (£1,500 – £10,100), jaw fractures (£4,100 – £29,000), facial disfigurement (£2,500 – £62,000), eyes (£2,500 – £172.500), ears (£8,000 – £70.000), whiplash or neck related (£850 – £95,000), psychiatric damage e.g. chronic fatigue or post-traumatic stress disorder (up to £62,500).

Torso or back injuries (£5,000 – £108,000), shoulder (£2,750 – £30,750), chest and lung (£20,000 – £35,000), asbestos related claims (£30,750 – £81,500), fractured ribs (up to £2,500), food poisoning (£600 – £33,500), Quadriplegia (£206,750 – £257,750), Paraplegia (£140,000 – £181,500).

Arm Related Injuries – arm injuries (up to £191,500), shoulder injuries (£2,750 – £30,750), wrist injuries (£2,250 – £38,250), hand injuries (£600 – £129,500), finger injuries (£23,500), loss of thumb (£22,750 – £35,000), vibration white finger / hand arm vibration (£1,900 – £20,250).

Finally, Leg Injuries!

Leg Injuries – (£5,750 – £180.000), knee injuries (up to £61,500), ankle injuries (up to £32,000), foot injuries (up to £128,500), toe injuries (up to £36,000).

I hope this guide has helped you understand a little bit more about what your accident claim might be worth. You can now make more of an informed decision as to whether you think you should make a claim.

Many sites have an accident claims calculator to help you work out what compensation you might get.

The easiest thing to do if you remain unsure is to have a chat with a claims company. You might decide you don’t want to go ahead and make a claim but it’s always worth speaking to an expert first just to put your mind at ease.

Car Accidents Happen (Part 1) – What to Do When They Happen to You

Car accidents are unpleasant, but happen every day. This is Part 1 of a 3-Part Series, and will inform you of the steps you need to take immediately after a car accident occurs. Part 2 will address what to do after you leave the scene of an accident, focusing largely on receiving medical care. Finally, Part 3 will address reasons not to talk to the other driver’s insurance company.

The North Carolina DMV has an accident guide on their website about what to do if you are in an accident. Some of their suggestions include:
– Not leaving after an accident
– Removing vehicles from the road when possible
– Assisting anyone who is injured
– Exchanging information with others involved in the accident
– Name, Address, Drivers’ License Number, Vehicle Registration Number, and Insurance Provider

Other Things You Should Do
Get Contact Information for Witnesses
One of the most important things to do after an accident occurs is the get the contact information for any witnesses who may have seen what happened. Especially in cases where the credibility of the parties is a major issue (such as intersection accidents), having a witness you can contact can make your case stronger. However, you should never rely on the investigating officer to gather this information – many witnesses leave before the officer even arrives. In some cases, the insurance company may change their denial of a claim to an acceptance to pay out if you produce the contact information of a witness.

Make a Police Report
The law in North Carolina requires individuals involved in accidents to make police reports if there are any injuries, fatalities, or if the property damage exceeds $1000. Not filing a police report could result in a suspended license. When you make a police report, be helpful and provide as much information about the facts of the accident. You can obtain a copy of your accident report by filling out a crash report form. It is important to limit your opinions about the accident since those opinions could be used against you later. Always remember, you can talk to a lawyer before making a statement about an accident.

File a Report with your Insurance Carrier
You should also make a report to your insurance carrier about any accident you are in. While you are still at the sight of an accident, remember to take pictures of the scene, and also take pictures of any injuries you may have suffered. This will not only help with providing your insurance carrier will as much relevant information as possible, but it will also allow you to preserve important evidence should you decide to take legal action.

Car Accident Insurance Claims DO’s and DON’Ts

After you have been in an accident, you will want to make an accident insurance claim for the damages on your vehicle and your personal injuries. Before you get in touch with your car insurance company, it is helpful to know 13 dos and don’ts to prepare your approach to taking steps after you have been in an automobile accident.

DO’s and DON’Ts for Making Car Accident Insurance Claims

• DO take pictures of the scene of the accident. This includes damages on your vehicle, personal injuries, damaged property, accident site, etc.
• DO read over your auto insurance policy to understand what will be covered and what won’t be covered.
• DO see if you have any other insurance that you will get more coverage out of.
• DO understand the difference between the cost of your car for replacement, what you owe on your car, and gap coverage.
• DO call your car insurance agent as soon as possible after a car accident.
• DO answer any questions asked, by your insurance company, honestly but with no elaboration.
• DO write down what you and your insurance company talked about. Be specific about key components of your car accident insurance claim.
• DO call your lawyer to make sure you are receiving a fair car accident insurance claim.
• DO save all your receipts of your purchases/expenses from your car accident.

• DON’T agree to any estimates your insurance agent gives you.
• DON’T send an agreement statement to your insurance company.
• DON’T accept checks from your insurance company.
• DON’T allow yourself or your insurance company to miss deadlines.

Contacting a Lawyer in your state

It is necessary to contact a lawyer in your area after you have been involved in a serious car accident. Since many car insurance companies will give you the minimum compensation for your accident insurance claims, your lawyer will give you valuable tips as to what to say to your car insurance company to protect your claim and increase the odds that you will be able to pursue the most out of your car accident insurance claims.

Your lawyer in will help you determine how much your car accident insurance claim is worth so you will not be blindsided by your car insurance company. He/she will also help guide you through the do’s and don’ts of your car accident insurance claim.

A personal injury attorney can help guide you in the right direction.

How an Indiana Car Crash Lawyer Can Help

When you experience complications with your Indianapolis accident claim, an Indiana car crash lawyer can help you alleviate some of the stress and anxiety associated with filing an Indiana personal injury claim.

Car Accident Advice and Guide

Have you or someone you know suffered a car accident. At some point in time in almost everyone’s life they will have to deal with a car accident. Hopefully the accident is not serious and no major loss is suffered. Unfortunately, there are serious car accidents and major losses are at issue. Whether the car accident is major or just a minor incident, certain matters need to be considered and documented to protect an injured party’s rights.

At the time of the car accident a person is dazed and obviously not thinking straight. However, decisions made at this critical moment can determine the outcome of major damage issues in the future. It would be a good idea for everyone to keep a checklist in their glove compartment in the event an unfortunate car accident occurs. Once the emergency calls have been made what should a car accident victim do during these critical moments. As you are sitting there and waiting on the medical teams and police, what comments are critical and what information is going to be pertinent in the future.

The natural concern is to be concerned about the physical well-being of everyone involved in the car accident and that is very important. However, if you have suffered a injury, remember everything you say or do could affect your ability to recover a fair settlement or judgment in the future. Think before you speak and remember that everything you say will be become relevant many times over in the future. If you are a person who wants to appear noble and downplay your injuries, and if a major injury manifest itself later, your statements and actions at the scene of the accident will be critical if you later assert a claim for significant injuries as a result of the car accident. Keep in mind that after an accident your adrenalin is pumping and you may not have a true understanding of your injuries until hours or maybe days after the accident.

If you are in a car accident critical things need to be documented at every accident scene. If possible be sure to get the name, address, place of employment and several phone numbers of all witnesses. Write down the witnesses account of the accident and have them date and sign the written account. Your statement at the scene of the car accident will have to be made to a police officer and/or a medical attendant. Remember that these statements are all recorded in writing and later at trial or when the other party’s insurance carrier or the defense lawyer reviews those statements, you will be reminded of what you said many times over. And your statements could be damaging. If the statements about the accident and your injuries are detrimental to your claim, and it is found that you have contradicted yourself at some point in time, it will damage the credibility of your claim in the future..

Keep in mind. The official or medical personnel transcribing your statement can make mistakes. With this in mind make sure that the transcribers (police, doctors,insurance adjusters, etc) are writing done exactly what you say. As stated, if negative or contradictory statements have been recorded, they will be used against you at a later date.

During your recovery period keep a daily diary. Record in detail your trips to the doctor, a visit by a relative or friend to help clean your house, how you really felt on those really bad days,etc. A personal diary is very powerful evidence if the matter goes to trial. Above are a few things to keep in mind if you unfortunately are injured in a car accident. And lastly, do not forget to contact your insurance carrier, even if you are not at fault, and your adjuster can give direction, as can your lawyer. And regardless, your carrier needs to know about the accident.

As a personal injury lawyer for 25 years I could never change statements my client documented way before trial. If the statements were consistent, reliable and properly documented, my client’s case was much easier to present. Hopefully, this article offers some direction if you or someone you know has suffered an unwanted and possibly life changing car accident. D. Burlison,JD

Car Accident Guide

Many people spend much of their day on the roads, and despite defensive driving, you many still encounter accidents leading to car wrecks. If (knock on wood) such an incident befalls you, then here are basic guidelines to follow:

If anyone is injured, do call 911 right away. Do not try to play doctor or be a hero. If you have sustained an injury, then you need medical attention at the soonest possible time. Injuries may not be immediately felt so be sure to see a doctor and follow the doctor’s advice.

Contact the police authorities. Make sure you get a copy of the police incident report for your insurance and other needs.

Do take note of important details of the accident. When in an accident, you may experience that time seems to slow down and due to this, many witnesses would immediately leave the scene as authorities clear the area. Make sure of the following:

Get contact information of the other driver, such as name, address, phone number and insurance details;

Identify witnesses and obtain their contact information. It would be best to get a statement from them at the soonest possible time since time affects the memories of witnesses;

Take note of the details of other vehicles in the vicinity, such as make, model and color;

After obtaining all these, do add your personal account of the circumstances surrounding the accident. Having photos or sketches of the scene would be most helpful.

Avoid pointing fault at the scene and leave this matter to the investigators of the case. If the other party admits to fault, take note of the admission. Be sure that other people witnessed such admission as it may prove helpful later on.

If you or someone you know has been a victim of a car crash, contact a car wreck attorney as soon as possible. You will be provided a free consultation to discuss your rights and options as a result of the car wreck.

Top Ten Ways to Manage Profit at Your Online or Community Pharmacy

An online or community pharmacy must be carefully managed for optimum profitability; occasionally, changes to business processes and marketing strategies should be implemented in order to open up new streams of income, while also improving the success of promotional activities. If you’re looking for ways to make more money through your drugstore, you’ll appreciate these top ten tips for managing profit:

10.) Diversify- Open up your business to new customers by adding holistic herbal products to your inventory. For example, if you currently sell OTC pain relievers, prescription medications, and conventional health aids, why not begin offering your clientele herbal supplements that treat health care conditions in a more holistic way? There is a big market for alternative medicines, and herbal remedies are now more popular than ever before.

9.) Cross-Sell -Make the most of your inventory by using cross-selling techniques to bundle related products. For example, if you’re running an online pharmacy, make sure that your checkout area is programmed with sections that show complementary items. “Bundle” vitamins with delicious herbal teas, prescription medications with special pill boxes that help people to keep their tablets organized, and so on. Offering a few percent off the total price on cross-sold goods is an excellent way to add appeal to this sales technique. People often buy impulsively at the checkout, so cross-selling is an excellent way to boost your profits quickly.

8.) Use Social Media- Create a buzz by promoting your pharmacy on the hottest social networking platforms, such as Google+, Facebook, Twitter, LinkedIn, Tumblr and Pinterest. If you promote properly, the investment of time and energy that you put into reaching out to customers at these websites will definitely pay off. Add photos, blog posts, status updates, and special offers to tempt new buyers, and always respond to any feedback as soon as possible.

7.) Analyze Your Sales- Successful health care entrepreneurs never rest on their laurels; instead, they stay on top of things by analyzing their sales numbers and figuring out exactly which products are most appealing to their clients. To offer people what they really want, check all of your sales records to pinpoint buying trends. Then, consider offering different versions of the items that people buy the most.

6.) Target Your Ideal Customer- Business research doesn’t stop with sales analyses; you must also use market research to profile your ideal customer. Knowing who’s buying from your pharmacy is the key to marketing effectively and stocking your drugstore properly. Use client information to find out where your ideal customer lives and what his or her needs are. Then, market to that demographic or segment.

5.) Become an Expert- Position yourself as an expert in the pharmacy world by writing articles about pharmacy products, offering health care advice, or speaking to your local community. Becoming an expert builds your public profile and creates more trust and rapport with new and existing clientele.

4.) Create a Smart Phone-friendly Website- Today, many shoppers check out businesses online before they buy, and they often use their smartphones to browse the World Wide Web. If your pharmacy website isn’t compatible with a range of electronic devices, including smart phones, it’s time to hire a web development firm that knows how to create a smart phone-friendly environment at your url.

3.) Freshen Your Website Graphics- Nothing is more unappealing than a dated, dusty-looking website that doesn’t have any of the bells and whistles. If you don’t freshen up your graphics to stay current, your customers will soon lose interest. The best pharmacy entrepreneurs know how to adapt to change and keep things interesting; these savvy owner/managers always outsource for the hottest new web design graphics.

2.) Build More Interactivity into Your Pharmacy Web Pages- Whether you’re selling pharmacological products from a community or online pharmacy, you must still offer a business website that acts as a virtual calling card for your company. By building more interactivity into every web page on your website, you’ll create the right atmosphere for success. Hire a web design firm and ask them to add sharing buttons for social media, comment fields, and message boards to boost the appeal and interactivity of your website.

1.) Support a Charity- Your pharmacy is all about the health and wellness of your clients; with this in mind, why not support a charity that also promotes these values? By joining with a reputable and registered charity and donating money and/or time, you will create plenty of publicity and lots of goodwill towards your company. Often, donating to charity is much cheaper than paying for ads, and it’s so fulfilling. Meet prospective clients at local charity events, or donate online and enjoy a better public image that will build your brand.

How Much Does a Pharmacy Technician Earn?

Average earning of a particular profession is perhaps one of the most important parameters that help you decide in favor of or against it. And why shouldn’t it be? Who wouldn’t like to take back home decent wages at the end of a hard day’s work? After all, money plays a vital role in shaping the standard of your life. It is important for securing your family’s and your own future. So, whoever said money should not be a consideration while choosing a career has probably never lived without it.

If you are exploring a pharmacy technician career, then this question must be at the top of your head. We’re here to help answer some of your questions regarding how much they earn on an average.

However, before we get into details about pharmacy techs pay, it’s important to understand what the job entails. Because just like money is important, so is enjoying what you do for a living!

Pharmacy Technician Career

Let’s start with what pharmacy technicians can’t do or rather are not supposed to do. They are absolutely forbidden from giving medical advice to patients who visit their pharmacies. They are not qualified to do so; hence they should resist the urge to not just offer medical advice, but also guide patients on what medication may work better for their condition irrespective of how knowledgeable and experienced they think they are.

Although the duties and responsibilities of a them may vary depending on the type of facility they’re employed in, but in general their day-to-day work involves:

Receiving prescriptions and verifying them for accuracy
Filling prescription medications and labeling them correctly
Preparing intravenous mixtures under supervision
Assisting the pharmacist in inventory management
Answering telephone queries from patients
Storing drugs in a safe and secure manner
Maintaining patient records for reference
Preparing and processing insurance claim forms
Interfacing with customers who visit the store
Operating cash register at checkout
Pharmacy Technician Training

It’s best to start training for a pharmacy technician career in high school itself by taking courses in math, biology, chemistry, computers, etc.

Once you’ve laid the ground by taking appropriate courses in high school, you can choose between a college degree and a vocational pharmacy technician course offered at career schools. A college degree will require a minimum of two years for completion, while a career training course can be completed in a matter of few months.

What’s important is to get certified at the end of your academic study or pharmacy technician training program. Although certification is a hundred percent voluntary, having it just enhances your credibility and with it your job prospects. Certifying examinations are held by organizations like the Pharmacy Technician Certification Board (PTCB) and the Institute for the Certification of Pharmacy Technicians (ICPT).

Pharmacy technician training should ideally include hands-on experience working in a pharmacy. This training could be incorporated in the curriculum of your pharmacy technician program or you may have to request for an intern position at your local pharmacy.

Pharmacy Technician Pay

The exact earnings of a pharmacy tech depend to a great extent on not just the type of facility he or she is employed in, but also other factors like:

The average hourly wages of a pharmacy technician range from $8.03 – $15.56.1 Those who work for a franchise may earn between $7.86 and $13.87 per hour, while pharmacy techs employed in hospitals take home about $9.49 – $19.02. 2

When it comes to experience-level, pharmacy techs with less than one year of experience earn $7.68 – $13.36 per hour, while those with 5-9 years of experience make $9.17 – $17.27 per hour.3

Pharmacy Technician Schools – Things You Should Know

Being a pharmacy technician is quite demanding especially since you are supposed to have enough knowledge of all the types of drugs available, including the latest ones. Also, you have to understand the current laws governing this profession. It is also a must that you understand the existing insurance practices. So, for you to succeed in this career, you have to find the best pharmacy technician training schools. Having enough training before you venture into this industry will help you to cut an edge over the others. Training is also important because it gives you enough skills to do your work well.

So if you really want to become effective in your work as a technician in the medical field, you have to study hard and acquire all the necessary skills. The good thing is that there are many pharmacy technician schools that provide quality training. But before you join any institution for a course in pharmacy technology there are several important things that you have to aware of. Once you have understood these aspects it will be easier for you to become the technologist that you have always wanted. This passage strives to provide you with some of these aspects so that your search for the right institution can be successful.

Points to Note about Pharmacy Technician Schools

• Thorough preparation: Because of the demanding nature of this job, it is imperative that you get enough exposure before venturing into the industry. You have to familiarize yourself with the requirements for this task. This can only be achieved through formal training in a good school. These institutions are important in preparing individuals who wish to venture into this challenging field of medicine. You have to note that even though pharmacy technicians are in demand, more qualified technologists are very much needed.

• Accreditation: If you wish to become a more reliable technologist, you should and must have the right accreditations. These include things like certificates, licenses, recommendations, approval, and so on. The truth is that you cannot get these accreditations without having undergone proper training. Therefore, you should always ensure that the pharmacy technician schools that you consider are credible enough to give you good certificates. Always go for the well established institutions because they are more reliable. Remember, if you do not get the right certificates you won’t the right job.

• Earn more: Having enough training in a credible institution gives you confidence to work in any kind of environment. This in turn gives you a chance to prove your experience to your employers, giving you a better chance of being promoted or given a pay increment. These schools will help you to gain experience in pharmacy technology and thus become the most sought after technologist in your state.