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Claims Processes

We understand that it can sometimes be stressful to think about making a claim because the claims process can be complicated.

Here at Quantum Legal, we are committed to making our customers feel as comfortable as possible before, during and after they make a claim.

In line with this commitment, we have put together two simple guides to the claims process for the personal injury and Payment Protection Insurance claims that we deal with.

Claims for Personal Injury And Associated Financial Losses

Below is a summary of some of the stages which a claim for personal injury and associated financial losses relating to a road traffic accident, employer liability and public liability will go through:

    If you contact us with information on your claim, one of our dedicated personal injury advisors will  discuss your claim with you over the phone in order to advise you of the best way to proceed. The initial assessment of your claim is completely free and carries no obligations.

    If we think your claim is a viable one, it will be assigned to one of our expert solicitors on a No Win No Fee* basis.

    You will then be sent a questionnaire on information pertaining to the accident that should be filled out and returned to your solicitor as soon as possible.

    Your solicitor will then send a letter called the ‘letter of claim’, setting out the details of your claim, to the 3rd party as well as their insurance company.

    We will arrange an appointment for you to see a local medical expert so your injuries can be assessed, after which the medical professional will draw up a medical report containing information on the pain, suffering and loss of amenities you have suffered.

    It is important that you keep a note of all financial losses suffered as a result of the accident so you are able to provide your solicitor with this information that he/she can then use to support your claim. Such losses may include a loss of earnings from work, property damaged in the accident, the cost of private treatment and accident or injury-related travel expenses.

    After the details of your claim are sent, your solicitor will attempt to negotiate a figure for the settlement of your claim.

Our staff are dedicated to achieving success for your claim and, upon instructing us, will visit you at home or in hospital at your convenience to obtain instructions from you and/or your family in relation to your claim.

Claims for Mis-sold Payment Protection Insurance

Below is a summary of some of the stages which a claim mis-sold PPI will go through:

♦    If you contact us to deal with your claim, we will send you a short application form and a letter of authority which gives us permission to act on your behalf while pursuing your claim

♦    We will set up your claim and contact you over the phone to obtain further information so we can put ourselves in a position to formally initiate your claim

♦    Once we submit your complaint against the lender that mis-sold you PPI, the lender has 8 weeks in which to respond

♦    If your claim is upheld, the lender will make an offer to settle your claim. We will review this according to what you are legally entitled to and advise you as to whether you should accept or reject the offer

♦    If we decide to accept the offer, your claim will be concluded with the lender upon the performance of their duty to discharge the offer amount from which you will benefit.

    If the complaint is initially rejected, the lender does not respond within the 8 week time period or we feel that the offer is not adequate, we will attempt to contact the lender to resolve the claim in your favour

    If this is not possible, we will submit your claim to the Financial Ombudsman service (FOS), who are the independent body that investigates PPI complaints that cannot be resolved in the first instance. They will decide whether your claim will succeed or not

Please note, the claim processes as outlined above may not apply to all cases due to individual circumstances; they are provided as a general guide to claims only, not as definitive processes.