By Cat Swift. Last Updated 22nd August 2023. Welcome to this case study with information on personal injury claims payouts for a fractured sternum or broken breast bone or other types of sternum injury from a car accident. In it, we look at questions such as ‘How much is a broken sternum worth’ and ‘What is a fractured sternum worth in a personal injury claim if I need surgery?’ We offer guidance on what could happen after a sternum fracture, including cracked sternum symptoms and explain what compensation for a fractured sternum could include as well as providing details of the fractured sternum compensation case study. Plus, we give guidance on why you should not rely on the average payout for a broken sternum pain and suffering. We show you how fractured sternum car accident compensation could differ significantly between fractured breastbone cases.
This case study shows how a 59-year-old-man had to seek a compensation payout for a sternum fracture following a motor vehicle collision, in which the other driver was to blame and uninsured, and tragically died.
Select A Section
- Broken Sternum Case Study
- Claims Involving The Motor Insurance Bureau
- What Impact Did The Sternum Fracture Have On The Claimant?
- Establishing Liability For The Crash And Conducting The Claim
- What Sternum Fracture Payout Was Offered To The Claimant?
- Average Payout For Broken Sternum
- Personal Injury Claims Time Limit – How Long After An Accident Can You Make A Claim?
- Claiming For A Fractured Sternum With A No Win No Fee Solicitor
- Helpful Resources Relating To Personal Injury Claims Payouts for a Fractured Sternum
We’ve used this sternum fracture claims case as a good example of how claims can proceed even when the other party sadly dies and there is no insurance available to claim a compensation payout for a sternum fracture or other associated injuries. We offer a no win no fee service and can help with cases just like these, so get in touch today if you’re in a similar situation and wish to claim.
Compensation for a fractured sternum – where could it come from?
Following the car crash the police concluded that the other driver was to blame but when the injured party tried to claim for a compensation payout for a sternum fracture he had suffered it soon became apparent that the other driver was not insured. The claimant employed a personal injury solicitor who began a case against the Motor Insurers Bureau (MIB) and eventually secured a compensation payment of over £300,000 to cover pain, suffering and loss of earnings.
The motorist’s injuries led to a 4-night stay in hospital and resulted in a fractured sternum, a soft tissue injury of the wrist and fractured ribs which, as you will read later in this article, had a huge impact on the man’s day-to-day life as well as his employment – all of which had to be accounted for when the solicitor involved prepared evidence to back up the amount of compeFnsation claimed.
Accident Claims UK are available to take on similar compensation claims for a sternum fracture, read on to find out how we can help.
You may wonder how it’s possible to request a compensation payout for a sternum fracture when the other party isn’t actually insured but it is something that is possible thanks to the MIB scheme.
When people take out insurance a small amount from each premium goes to the MIB fund for cases just like this. When it is identified that the driver doesn’t have insurance then your personal injury solicitor can lodge a claim with the MIB to seek compensation for personal injuries such as a chest injury, sternum injury or broken ribs as was the situation in this claim.
Helping Victims Of A Fractured Sternum Get Compensation For Uninsured Driver Accidents
People often complain that the cost of insurance is too high but the MIB is an effective solution when you’re seeking compensation against an uninsured driver. If this scheme wasn’t in place insurance policies would be a little cheaper but if you were involved in a serious road traffic accident, then there would be no way to claim compensation for your losses.
As we’ll see later in this case study, the impact on the victim was so severe that if he couldn’t have made a claim for a compensation payout for his sternum fracture then the results on his life would’ve been devastating.
The claimant, in this case, was a self-employed electrical contractor so while he was in the hospital and while in recovery he was unable to work. This meant that he had little choice but to claim for a compensation payout for a sternum fracture otherwise he wouldn’t have been able to pay his essential bills like rent and bills while recovering.
Broken Breast Bone – How To Present Cracked Sternum Symptoms For A Claim
If you have suffered a broken breast bone due to somebody else’s negligence, you may want to know how to evidence it. If you need to prove that your fractured breast bone with someone else’s fault, you would need a variety of evidence. Firstly, you’d need evidence to prove that an accident happened and it was caused by somebody’s negligent breach of their duty of care to you. You then need to prove that your injuries resulted from their breach of duty of care.
The medical evidence you submit as part of your claim would not usually come from the people that initially treated you for your cracked sternum symptoms. While your medical notes at this time would be important, it is vital to get independent medical evidence.
For example, an independent medical expert could assess your broken breast bone, taking into account everything in your medical notes, to arrive at a conclusion as to how the injury was caused. They could also determine how severe your fractured breast bone is, and whether it could cause you problems in the future.
If you choose to work with one of our solicitors, they could arrange an independent medical assessment for you.
Once your medical assessment is completed, an independent medical report would be produced. Your solicitor could use this along with other evidence to accurately value your claim.
The liability for the crash was determined by the police investigation which found the other driver was to blame. It may seem a horrible thing to have to do, i.e make a claim for compensation for a sternum fracture against somebody who has died but it is often necessary, as was the case for the claimant involved in this accident, to cover financial losses that the accident has caused.
The Motor Insurers’ Bureau didn’t contest the liability when the claimant’s solicitor lodged a claim, but the amount of compensation required did have to be decided by a judge in this case.
It’s quite rare, in our experience, for a personal injury claim to ever get to court as most insurers want to get claims settled without their own legal costs spiralling but this case was more complex and required a judge’s decision on the actual amount of compensation that should be awarded.
The judge decided that there were two parts to the compensation claim for a sternum fracture to take into account. The first part was for pain and suffering which resulted in £19000, then the second part of the claim was for over £280,000 which took into account the loss of earnings and future loss of earnings because the claimant was unable to work as an electrical contractor following the accident.
Following the judge’s decision, the MIB fulfilled the compensation payout for a sternum fracture that had been sought and the client’s claim was settled in full.
We have a specialist team of No Win No Fee solicitors on hand who’ve got a vast knowledge of gaining insurance settlements for fractured sternum injuries and are available today to commence a claim for you.
Each fractured sternum compensation claim is different. This is why asking how much the average payout for a broken sternum wouldn’t give much insight into your own claim. One person who suffers a sternum injury from a car accident could suffer very differently than another.
When calculating compensation payouts, as mentioned, all the facts and circumstances of the case must be considered. Only then can an accurate picture of the accident and injuries be arrived at. As we have mentioned, there are often two heads of claim in personal injury claims. Special damages compensate successful claimants for the financial impacts of their injuries. General damages compensate claimants for their pain, suffering and loss of amenity.
Fractured sternum compensation payouts for general damages could depend on the impact on the claimant’s mental health, whether they need surgery and many other factors. This means it can be difficult to work out how much a claimant would receive for a sternum injury from a car accident prior to them starting a claim.
We can give some rough guidance, however. The table below provides guideline compensation brackets taken from the Judicial College Guidelines (JCG). This is a publication solicitors can use to help them when valuing the general damages portion of claims.
|Type of injury
|In worst case scenarios, one lung will be removed and/or the heart will suffer severe damage which causes prolonged pain and suffering.
|£100,670 to £150,110
|A traumatic injury to the lungs, heart and/or chest which will result in a physical disability and cause permanent damage.
|£65,740 to £100,670
|The person will suffer from a continuing disability due to the chest and lungs being damaged.
|£31,310 to £54,830
|Some damage to the tissues in the chest, potentially due to a penetrating wound, that causes no long-term effects on the lungs functioning.
|£12,590 to £17,960
|An injury that leads to collapsed lungs, but a uncomplicated full recovery is made.
|£2,190 to £5,320
|Soft tissue injuries or fractured ribs that cause serious pain over a few days/weeks.
|Up to £3,950
|Psychiatric Damage Generally – Moderately Severe
|Despite a more optimistic prognosis, the person will still suffer with significant problem with maintaining relationships and coping with daily life.
|£19,070 to £54,830
|Psychiatric Damage Generally – Moderate
|Despite suffering with various issues, the person will have made significant improvements with a good prognosis.
|£5,860 to £19,070
|Psychiatric Damage Generally – Less Severe
|How long the person suffered for and to the extent that daily activities and sleep were affected will impact how much is awarded.
|£1,540 to £5,860
|Fracture of Clavicle
|Several factors will affect how much is awarded, such as the extent of the fracture, whether the union is anatomically displaced and if there are any residual symptoms.
|£5,150 to £12,240
You could use this to get a rough idea of how much compensation could be appropriate for a successful claim. Alternatively, why not call our team for personalised advice and guidance? We’d be happy to help.
There is a time limit for personal injury claims. This time limit can be found in the Limitation Act 1980. Generally, the personal injury claims time limit is 3 years from the date you were injured. However, there are exceptions, such as:
- If your child was injured, and they are under the age of 18, they will have 3 years to start their claim once they turn 18. Before this point, the time limit is suspended, and a court-appointed litigation friend could make a claim on their behalf.
- The time limit is suspended for someone who lacks the mental capacity to make a claim for themselves, and a litigation friend could claim on their behalf. Or, if they regain this mental capacity, they will have 3 years to start their claim.
Do not hesitate to contact one of our advisors today if you are unsure whether you have enough time to begin your claim. Additionally, our advisors could offer you free legal advice regarding your claim.
Claiming for a sternum injury might seem daunting, and it’s possible that you don’t know where to start with your claim. If this is the case, one of our solicitors may be able to help. Our solicitors work on a No Win No Fee basis, which means that they could offer you a Conditional Fee Agreement (CFA).
Under a CFA, you aren’t required to pay your solicitor any upfront service fees, nor do you have to pay for their continuing work on your claim. Likewise, if your claim fails, your solicitor will not take a fee for their services.
In the event of a successful fractured sternum claim, your solicitor will take a success fee from your compensation. This is taken as a small percentage, and there is a legislative cap in place. This cap helps to ensure that you keep the larger share of what you receive.
To find out if you could be eligible to work with one of our solicitors, contact our team of advisors today. They can give you more insight into the claims process and can evaluate your claim for free. Then, they may connect you with one of our solicitors. To get started:
Here are a few useful articles that you can use to help decide if you’re going to proceed and claim for a compensation payout for a sternum fracture that you’ve suffered.
NHS Guide to Chest Injuries – Includes healing times and treatment plans.
Car accident claims – if you’re wondering how to start a car accident claim this page gives in-depth advice.
MIB claims – How to claim compensation with Accident Claims UK and the MIB.
Thank you for reading this case study on personal injury claims payouts for a fractured sternum. Whether you’re looking to make a fractured sternum claim for broken sternum injuries at work caused by manual handling, or for those sustained in a car accident our solicitors aren’t limited to handling just one type of claim. Please call us to start your claim today. We could answer your questions about ‘What is a fractured sternum worth? ‘ and help you with your claim.