Is the UK in the grips of a compensation culture? You will no doubt have seen many articles and even television debates about the UK being in the grip of a compensation culture. Is this correct? Are more people making claims for compensation than ever before?
To examine this closely, we need to look at the reasons that the stories make the papers.
Talk Sport Radio Interview
Listen now to Loyalty Law’s Nicholas Jervis being interviewed on TalkSPORT radio about the subject of Compensation Culture.
Who endorses the idea of the compensation culture?
If you look at the main supporters of the “compensation culture” argument, you will almost always find the promoter to be an insurance company. Why is this the case? Insurers make their money from cashing insurance policies but prefer not to have to pay out when someone claims against one of them. If they can reduce the number of people making a claim, their profits increase. Insurance companies are very keen to make increasing profits year on year, as all businesses are. Therefore, if they can regularly sow the seed of the “compensation culture” to the media, who always enjoy attacking solicitors, this serves their purpose well. If only one or two percent of the people that are injured in an accident do not make a claim because they feel they will be adding to this so called “compensation culture” the insurance company will have achieved their objective and will have saved themselves tens or hundreds of thousands of pounds in compensation payments that were due to those victims.
The UK compensation system
The law of compensation in the UK states that if someone is injured by someone else’s fault (negligence) that person should pay them compensation to put them back in the position they were in had they not been injured. Insurance policies developed so that insurance companies must now pick up the bill for the payments on behalf of their insured. This is what we all pay insurance for, to protect ourselves and anyone that we may injure whilst driving a vehicle or in the course of our work.
However, the views in the UK are markedly different from those in Canada. For instance, our first reaction usually in the UK if we damage our vehicle is “Oh no, I must protect my no claims bonus”. In Canada, the view is very much more a case of “Great, I have insurance which will pay for that repair so I do not have to”. It is an interesting cultural difference and perhaps explains why we are sometimes wary of making a claim because we are fearful of being a part of the “compensation culture”.
Compensation culture – reality or myth?
The reality is that compensation claims have largely stayed the same in number over the years. Very rarely will you find an insurance company able to quote hard figures which show that the amount of people claiming is increasing. There will always be a slight increase because we always have more vehicles on the road and the population is increasing, but aside from this, there is very little increase in the amount of compensation claims. In addition, the reality is that the awards made for the injuries sustained have not increased for more than ten years, despite recommendations that they should do so. Once again, the “compensation culture” argument is put forward by insurers as the reason why it should not increase. However, every other price and cost faced by the victim has increased, yet the amount they receive for their pain and suffering. Is this fair? You decide.
Why Choose Loyalty Law For Your Work Accident Claim?
All Loyalty Law solicitors are checked and vetted to ensure that they meet our criteria in the following ways:-
- Before they can start working for you, they are interviewed by our managing director, a solicitor himself (although no longer practising). He is quickly able to assess whether they have the legal skills needed, but also whether they are easy to speak with on the telephone and will give you the service that you deserve.
- At the end of every accident claim, we carry out an interview with each client to ensure that they have been completely satisfied with the service provided. This ensures that not only does the solicitor start off by providing an excellent service, but through continual feedback they continue to achieve the right levels of service for you. It means that people like you are constantly monitoring and providing feedback on the service and is one of the reasons why we believe that you should ask Loyalty Law to help you find the right solicitor.
Make A Quick Work Accident Claim Enquiry?
Why not make a free enquiry now by contacting us in one of the following ways to find out if and how much you can claim (no cost and no obligation to proceed, we are here to help):-
- Arrange for us to call you back – » Click To Request A Call Back.
- Call us free on 0800 142 2775 between the hours of 8am to 8pm Monday to Friday, 8am to 6pm on Saturday and 8am to 5.30pm on Sunday; or
- Provide us with some details and one of our Loyalty Law solicitors will be in touch with you – make a Quick Enquiry now.
Why Trawl The High Street Trying To Find The Right Solicitor When We Have Already Done It For You?
If you are using a solicitor for the first time, or have not used a solicitor for a long time, how do you know which solicitor is going to provide you with the best service? Whilst everyone can assume that they all have a basic level of legal knowledge that means that they should be able to help you with your matter, how can you be confident that they really are the right solicitor for you?
With Loyalty Law, you do not need to worry. We have done the pre-approval and ensured that not only are they extremely efficient and competent in their specialist areas of law, but that they also provide a friendly and helpful service. For instant help, call us free now on 0800 142 2775.
We have specialist Solicitors across England, Wales and Scotland ready and waiting to help you.